# splitit.com llms-full.txt ## Splitit has helped many businesses grow Businesses of all types have seen success working with Splitit, read about their stories here. ![Show all](https://www.splitit.com/wp-content/uploads/2024/10/Success-stories.svg)Show all ![Show all](https://www.splitit.com/wp-content/uploads/2024/09/Consumer-Electronics.svg)Consumer Electronics ![Show all](https://www.splitit.com/wp-content/uploads/2024/09/Education.svg)Education ![Show all](https://www.splitit.com/wp-content/uploads/2024/09/Healthcare.svg)Healthcare ![Show all](https://www.splitit.com/wp-content/uploads/2024/09/Home-Furniture.svg)Home & Furniture ![Show all](https://www.splitit.com/wp-content/uploads/2024/09/Jewlery.svg)Jewelry ![Show all](https://www.splitit.com/wp-content/uploads/2024/09/Luxury.svg)Luxury ![Show all](https://www.splitit.com/wp-content/uploads/2024/09/Services.svg)Services ![Show all](https://www.splitit.com/wp-content/uploads/2024/09/Sports-Outdoor.svg)Sports & Outdoor - [![All](https://www.splitit.com/wp-content/themes/designbypelling/img/all-icon.svg)All](https://www.splitit.com/success-stories/ "") - [![Consumer Electronics](https://www.splitit.com/wp-content/uploads/2024/09/Consumer-Electronics.svg)Consumer Electronics](https://www.splitit.com/success-stories/consumer-electronics/ "") - [![Education](https://www.splitit.com/wp-content/uploads/2024/09/Education.svg)Education](https://www.splitit.com/success-stories/education/ "") - [![Healthcare](https://www.splitit.com/wp-content/uploads/2024/09/Healthcare.svg)Healthcare](https://www.splitit.com/success-stories/healthcare/ "") - [![Home & Furniture](https://www.splitit.com/wp-content/uploads/2024/09/Home-Furniture.svg)Home & Furniture](https://www.splitit.com/success-stories/home-furniture/ "") - [![Jewelry](https://www.splitit.com/wp-content/uploads/2024/09/Jewlery.svg)Jewelry](https://www.splitit.com/success-stories/jewelry/ "") - [![Luxury](https://www.splitit.com/wp-content/uploads/2024/09/Luxury.svg)Luxury](https://www.splitit.com/success-stories/luxury/ "") - [![Services](https://www.splitit.com/wp-content/uploads/2024/09/Services.svg)Services](https://www.splitit.com/success-stories/services/ "") - [![Sports & Outdoor](https://www.splitit.com/wp-content/uploads/2024/09/Sports-Outdoor.svg)Sports & Outdoor](https://www.splitit.com/success-stories/sports-outdoor/ "") ![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping-success-image.jpg) "Our commitment to consistency led us to Splitit, ensuring that, as a customer, you enjoy uniform payment options across all platforms." **Eduardo Hauser** CEO, Gem Shopping Network [View success story](https://www.splitit.com/success-stories/jewelry/gem-shopping-network/) ![Huntington Learning Center](https://www.splitit.com/wp-content/uploads/2024/10/huntington-cover-success-stories.jpg) "I think maybe 80% of our Splitit transactions are families that we probably would have not enrolled had you guys not been there." **Maria Aruca** Regional Director, Huntington Learning Center [View success story](https://www.splitit.com/success-stories/education/huntington-learning-center/) ![Bryant Dental](https://www.splitit.com/wp-content/uploads/2024/10/bryantdentalcover.jpg) "Splitit allows our optics and other cutting-edge products to reach thousands more customers both in the UK and the rest of the world" **Neha Raghava** Group Head of Innovation, Engagement & E-Commerce at Bryant Dental [View success story](https://www.splitit.com/success-stories/healthcare/bryant-dental/) ![Batelle](https://www.splitit.com/wp-content/uploads/2024/10/batelle-cover.png) "Splitit allows us to reach customers who would otherwise be unable to purchase and attain a sleep solution for their child." **Daniel Frazer** Batelle CFO [View success story](https://www.splitit.com/success-stories/education/batelle/) ![Vestiaire Collective](https://www.splitit.com/wp-content/uploads/2024/10/vestiaire-collective-with-logo.jpg) "We can propose Splitit for high-value items, where we could not with other buy now, pay later solutions" **Pedro Bennasar** Head of Payments, Vestiaire Collective [View success story](https://www.splitit.com/success-stories/luxury/vestiaire-collective/) ![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte-success-story.jpg) "Our customers historically have been overlooked by traditional orthodontia. This is a sizeable investment for them. Once they understand how Splitit works, they think ‘oh this totally makes sense – why wouldn’t I do this?" **Manny Rubianes** Sales Director at Byte [View success story](https://www.splitit.com/success-stories/healthcare/byte/) Load more Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=ueiahlm52nwc)# Splitit surpasses MiStore Portugal expectations ![](https://www.splitit.com/wp-content/uploads/2024/10/mi-with-logo.jpg) ### 2x conversion rate ### +200% sales “ “I especially enjoy working with our customer success representative as he makes an extra effort to check in and care about our business.” ### Can you tell us about MiStore Portugal? MiStore Portugal is the official reseller of Xiaomi in Portugal. The Xiaomi brand is known around the world for electronics: smartphones, mobile apps, laptops, home appliances, consumer electronics, and more. We opened our online store last year, just as the pandemic hit and we were forced to close 9 of our brick and mortar stores. In Portugal, online shopping is generally lower than the rest of Europe, at around 9%, although it has risen since COVID-19 to around 20%. Our “MiFans” (aka MiStore’s loyal community members) encouraged the idea of an online store, and it has been a successful launch. ### Why did you decide to partner with Splitit? We knew we wanted to offer our MiFans an alternative way to pay with the uncertainty of the pandemic looming. With Splitit we are able to offer a pay over time option that does not put a limit on our average order values (AOV). This is important for our higher ticket items. Once Splitit was integrated into our checkout process, it has been smooth sailing and the Splitit Team has been a great support from start to finish. ### How is Splitit helping you grow your business? Splitit has definitely surpassed our expectations. Our local Portugese customers have adopted this solution faster than anticipated, online and in our physical locations as well. Our sales people love Splitit because it boosts their closing pitch. It’s simple to explain and it works instantly, as long as the shopper has the available credit limit of the full purchase price. Also, Splitit’s customer support and success team is excellent. They have quick response times and are always very thorough in providing assistance to our customers and our team. We have worked very hard to curate the best customer journey on our website and make sure Splitit is prevalent throughout the full shopping experience. Since integrating Splitit in November 2020, which perfectly synced with the holiday sales season, our business has also seen major growth in the following 3 months. We have more than doubled our conversion rate, our sales have grown over 200% since November, and 14% of our total shoppers choose to pay with Splitit. Join our community of happy Merchants ## Give your shoppers an option they’ll love [Get started](https://www.splitit.com/success-stories/consumer-electronics/mistore/#) Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=trni5tf8d87i)# Helping customers chase their dreams +72% of total sales were made using Splitit over the first year +15% in average transaction value ![](https://www.splitit.com/wp-content/uploads/2024/10/fortuna-with-logo.jpg) ## About Fortuna Admissions Fortuna Admissions is an MBA admissions consulting firm. Fortuna Admissions coaches have worked as gatekeepers to the world’s top tier business schools and are uniquely qualified to help clients strengthen their profiles, position their applications and target the best schools. Their roster of talent includes former directors of MBA admissions and senior staff from Harvard Business School, Stanford G SB, Wharton, INSEAD, Chicago Booth, London Business School, Berkeley Haas, Yale SOM, UCLA Anderson, Kellogg, NYU Stern, IE Business School, and Johnson Cornell. “ “Our clients love the flexibility of being able to pay in installments, which has made our sales process so much easier. The service and support has been nothing short of extraordinary.” ![](https://www.splitit.com/wp-content/uploads/2021/12/Screenshot-2023-06-12-at-20.31.03-1024x598.png) ## Challenges they faced ### Customer affordability Fortuna wanted a payment solution that would make their big-ticket product/service more affordable and attainable to their customers. ### Manual billing Fortuna used a manual billing system where invoices would be issued and payments were broken down into 3 separate installments, tracked via a spreadsheet. ### Discounts Splitit’s solution is intuitive and easy to use. It does not involve any daunting registration or application process. ![](https://www.splitit.com/wp-content/uploads/2021/12/Screenshot-2023-06-12-at-20.30.33-1024x646.png) ## Why Fortuna Admissions chose Splitit ### Streamlining the payments process Fortuna lacked any kind of formal payments process and the company often had customers who did not follow through on their full payments. Easily integrated and implemented, Splitit is the perfect solution as it formalizes the payments process and ensures full payment collection from clients. ### Payment flexibility Fortuna’s services are costly and so offering installment payments makes their services more accessible to a wider range of clients. ### Accessibility In lieu of a formalized payment plan, Fortuna felt that they needed to offer a discount to customers. ### Global cross-border solution Fortuna has numerous international clients who need to be able to make payments from anywhere in the world. As a cross-border solution, Splitit was a perfect fit. ## Want to find out how Splitit can help your business grow like Fortuna Admissions? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=s95k31ymzozo)# Embracing ecommerce in order to scale ![](https://www.splitit.com/wp-content/uploads/2024/10/bryantdentalcover.jpg) ### Meet Bryant Dental Bryant Dental is a British medtech company specializing in optics. They provide primarily dentists and other clinicians with ultra-lightweight, high quality loupes and headlights to enable them to see better, treat better and ultimately provide better care to patients around the world. Their product has a long life cycle and customers typically purchase loupes every 2-5 years. ### 30%+of customers choose Splitit ### InternationalGrowth at Scale ![](https://www.splitit.com/wp-content/uploads/2023/07/refractives-guesture-v1-899x1024.jpg) ### Embracing ecommerce in order to scale Traditionally, loupes are sold in person by a sales specialist who travels to the customer to take their measurements. This in-person model makes loupes businesses difficult to scale, especially internationally, without distributors or subsidiaries. It’s incredibly important for Bryant Dental to scale at speed, so this slow and clunky process did not align with their ambitious growth plans. They launched a revolutionary online measurement system which uses AI to map the user’s face and extract several highly accurate measurements in seconds – allowing us to manufacture highly custom loupes for customers anywhere in the world. As part of this new buying process, they looked for alternative payment options, including finance and installments, which were very popular with their existing customer base. “ “Our products are transformative to the clinicians that use them and empower them to achieve excellence for the patients they treat every day. Splitit allows our optics and other cutting-edge products to reach thousands more customers both in the UK and the rest of the world, which ultimately means that they’re enabling us to transform healthcare for hundreds of thousands more patients.” **Neha Raghava** Group Head of Innovation, Engagement & E-Commerce ![](https://www.splitit.com/wp-content/uploads/2023/07/bryant-dental-image-2.jpg) ### Partnering with Splitit As a small start up it was important for them to maintain cash flow by offering finance whilst being fully funded up front, as well as offering customers long intervals over which they can split their payments. As they could now sell internationally at scale, it was also important to find a provider who could offer payment options globally. Splitit was the perfect choice as it offers multiple currencies and the option to split up to 12 months on large value transactions, while funding our company up front. The integration of Splitit was easily implemented by our back end developers. The technical support team at splitit were incredibly responsive and helpful during both the integration and post integration stages. ![](https://www.splitit.com/wp-content/uploads/2023/07/bryant-dental-image-3-1024x695.jpg) ### How Splitit supports Bryant Dental’s growth Splitit has increased both conversions and average transaction value for Bryant Dental, in the UK and internationally by bringing products which may be out of reach for customers into one transaction and allowing them to split it into manageable monthly investments. Through Splitit, more clinicians and other customers are able to access Bryant Dental’s optics and products which ultimately means that more patients are receiving higher standards of care from empowered clinicians. We now see over 30% of transactions using Splitit, which is significant. As a small start up cash flow is important to bear in mind, an option such as splitit which funds us up front is a great solution ## Want to find out how Splitit can help your business grow like Bryant Dental? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=iyh3xp16n0uv)# Splitit helps Sofa Club make a “Designer Look” accessible ![](https://www.splitit.com/wp-content/uploads/2024/10/sofaclub-with-logo.jpg) ### +2.6% Splitit conversions when increasing the amount of installments from 3 to 6 months ### +6% AOV during co-branded ad campaign “ “Splitit’s solution is clean, it’s simple, and it works. Their customer journey is smooth, and the ease of the functionality on the backend of the website is great.” ### Can you tell us about your company Sofa Club? Sofa Club offers a wide range of high quality fashionable sofas at affordable prices. We have everything from U-shaped sofas to corner sofas, sofa beds to sofa sets, and everything in between. Our goal is to create accessibility to our products no matter the shoppers’ budget. We started in 2012 as a predominantly online company, and today we have an offline presence with sofa lounges all across the UK. ### Why did you decide to partner with Splitit? Purchasing a sofa is a big ticket item. Our customers come to us because we offer that “designer look” for less. In our mission to keep our products accessible, it was very important to offer opportunities to help our customers pay for their sofas with an installment plan. We went through quite a few financing companies when we first started, but could not find something suitable. One of the most important things to us at Sofa Club is synergetic branding with our payment provider, from the way they conduct business down to the look and feel of their logo. When one of our providers was having issues with their acceptance rates, we started searching again for another solution. During this search at the beginning of last year, we found Splitit, whose branding felt very in line with ours right from the start. The integration process was seamless, there has been continued great communication between their team and ours, and they are the first ever to offer us a marketing budget to help promote the pay over time offering for our sofas. ### How is Splitit helping your business grow? The marketing budget Splitit offered is a great example of how they are actively helping grow our business. It shows us that they are in tune with retailers and proactively want to work with us to help us succeed. Our conversion rate, and business in general, has been steadily increasing since integrating Splitit back in May of 2020. During a co-branded ad campaign we saw a 6% increase in average order value (AOV) and a clear increase in overall Splitit sales. Overall, we have been really happy with Splitit, and decided to increase our installment offering from 3 to 6 months, which led to a 2.6% increase in conversions on our website. Also, Sofa Club is currently looking into more co-branded opportunities with Splitit to see how we can continue to grow together. ### What do your customers say about Splitit? Splitit has been an excellent pay over time solution for our customers, providing a seamless and smooth customer journey. We have heard from many customers that it has been a great option allowing them to purchase their dream sofa, and that it was easy to use. Join our community of happy Merchants ## Give your shoppers an option they’ll love [Get started](https://www.splitit.com/success-stories/home-furniture/sofa-club/#) Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=akcjfui3rwwo)# Card-linked installments The only installment payment solution that allows shoppers to use their existing credit card at checkout. [How it works](https://www.splitit.com/shopper/) [Shopper login](https://consumer.splitit.com/) [![Best Payment Innovation Winner 2025](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2025/01/25-payment-innovation-splitit.png)](https://vendorsinpartnership.com/pages/2025-winners?_kx=hmrFDO6EkusWSBkjVNA7J9YLH4oqeaSEr-deBu-Jc0Y.SxRHvw) [Trustpilot](https://www.trustpilot.com/review/www.splitit.com) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/card-linked-installments-splitit-988x1024.png) Our products ## Get more flexibility with Splitit [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/E-commerce-installments.svg)**E-commerce installments**\\ \\ Own the end-to-end journey with our white-label installments.\\ \\ Learn more](https://www.splitit.com/merchants/products/e-commerce-installments/) [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Omnichannel-Installments.svg)**Omnichannel installments**\\ \\ In-person, over-the-phone, and online installment solutions.\\ \\ Learn more](https://www.splitit.com/merchants/products/omnichannel-installments/) [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Pay-after-delivery.svg)**Pay after delivery**\\ \\ Boost trust and conversion by offering your customers to pay after delivery.\\ \\ Learn more](https://www.splitit.com/merchants/products/pay-after-delivery/) Report ### New Study Highlights Shifting Consumer Preferences in Installment Payments Our latest study with PYMNTS, **Innovations and development of card-linked installment plans**, reveals a seismic shift in installment payment preferences. Consumers across all segments are putting greater value on card-linked installments. #### Get the full report ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2025/01/Innovations-and-development-of-card-linked-installment-plans-PYMENTS.png) Installments-as-a-service ### Empowering the entire payments value-chain - [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Best-for-consumer11.svg)\\ Consumer](https://www.splitit.com/#) - [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/E-commerce-installments11.svg)\\ Merchant](https://www.splitit.com/#) - [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Gateway-Processor11.svg)\\ Processor](https://www.splitit.com/#) - [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Credit-Card-Network11.svg)\\ Network](https://www.splitit.com/#) - [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Issuing-bank11.svg)\\ Issuer](https://www.splitit.com/#) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Best-for-consumer11.svg) #### Consumer Splitit enables consumers to shop more responsibly. There’s no added debt, interest or hidden fees, plus they get all the benefits of paying with their existing credit card, including rewards, transaction insurance and protection against fraud. [Splitit for consumers](https://www.splitit.com/shopper/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group-3700134-1111.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/E-commerce-installments11.svg) #### Merchant Our white-label plugin allows merchants to nurture and retain their customers, driving loyalty and promoting brand consistency. Splitit’s zero-friction checkout drives the highest conversion and the highest approval rates. [Splitit for merchants](https://www.splitit.com/merchants/products/e-commerce-installments/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/splitit-for-merchants.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Gateway-Processor11.svg) #### Processor Our easy to implement single global API enables merchants to use their existing processor and existing back office, allowing the payment processors to retain their merchant relationships. [Splitit for processors](https://www.splitit.com/partnerships/payment-processors/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/splitit-for-processors.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Credit-Card-Network11.svg) #### Network Splitit’s technology leverages the existing global credit card payment rails, seamlessly integrating installments at the checkout and enabling networks to play a part in the installments value-chain. [Splitit for networks](https://www.splitit.com/partnerships/banks-financial-institutions/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/splitit-for-networks.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Issuing-bank11.svg) #### Issuer Splitit’s white-label, issuer agnostic, solution allows more issuers to be part of the installment payments process and not be forced out by the fintechs and the larger banks. [Splitit for issuers](https://www.splitit.com/partnerships/banks-financial-institutions/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/splitit-for-banks.png)# Beautiful and healthy workspaces attainable with Splitit +49% average order value for Splitit purchases 14% return on ads on Facebook and Instagram 8% of shoppers choose to pay with Splitit ![](https://www.splitit.com/wp-content/uploads/2024/10/ergonofis-with-logo.jpg) “ “Splitit’s platform is very straightforward and simple. It fits perfectly with our brand and provides a lot of flexibility for our customers.” ## Want to find out how Splitit can help your business grow like Ergonofis? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=bdhommd5lks9)# Helping Education Become Accessible to All 80% of families who chose Splitit would not have enrolled without it 100% approval rate with Splitit, making education more accessible ![](https://www.splitit.com/wp-content/uploads/2024/10/huntington-cover-success-stories.jpg) ### Meet Huntington Learning Center In the realm of education, offering flexible payment solutions to students and their families can be a game-changer. Educational expenses often present a significant financial burden, and finding ways to alleviate this stress is crucial. This is where Splitit has stepped in to support educational centers like Huntington Learning Center. Huntington has over 250 locations across the US that strive to help students. Splitit has been delighted to work personally with Executive Director Aziz Kabani and Regional Director Maria Aruca. Aziz currently owns four locations. Aziz and Maria are the dedicated minds behind four thriving Huntington Learning Centers, strategically located in Winter Garden, FL, Pembroke Pines, FL, Dr. Phillips, FL, and Charlotte, NC. These centers offer comprehensive tutoring services spanning all subjects, including standardized test preparation. Their unwavering commitment to students and their families has played a pivotal role in the growth of their centers, with Splitit becoming an integral part of this journey. As Maria Aruca, Regional Director, affirms, “We could have lost business if we didn’t have Splitit.” ![](https://www.splitit.com/wp-content/uploads/2024/12/hlc-splitit-how-it-works-2-1024x889.png) “ “Before Splitit, the alternative to paying all upfront was another financing option, but if the customer objects to running a credit check or they know they have bad credit, we didn’t have an alternative for them. Now we are defaulting them to Splitit and we are receiving a really good response.” **Michael Cleary**, Managing Director, HLC Winter Garden “ “We’ve successfully enrolled students by utilizing Splitit when parents didn’t have access to other payment alternatives. The Splitit system is easy to grasp and user-friendly.” **Rich Bernstein**, Owner, HLC Cherry Hill “ “When we’re enrolling these kids, we want to do it with integrity. We want to do it in a way that would be impactful for them and that they will be able to see the fruits of whatever amount of money that they’re putting in. And I feel like Splitit definitely helps us with that internal mission statement for us.” **Maria Aruca**, Regional Director, HLC Winter Garden View slide 1View slide 2View slide 3 ![](https://www.splitit.com/wp-content/uploads/2023/10/How_Can_Schools_Use_ESSER_Funds_to_Help_Bridge_The_Learning_Gap.jpeg) ## Splitit Partnership When Maria and Aziz first crossed paths with Splitit, they already offered other financing options to accommodate their students and their families. However, they remained open to exploring alternatives that could better align with their needs. Their previous installment solution had certain limitations, notably the practice of holding the entire payment amount for the entire program duration. This approach didn’t sit well with many parents. In contrast, Splitit’s new solution only placed a temporary authorization for the full amount on their card, ensuring parents regained access to their available credit. This distinction proved to be a game-changer. The primary motive behind embracing Splitit was to diversify the payment options available to the families they served. Recognizing that not all parents could afford to pay upfront or were comfortable with credit checks, Splitit addressed both of these concerns. It is also a great option for parents who are uncomfortable with sharing personal information such as a social security number. ![](https://www.splitit.com/wp-content/uploads/2023/10/Desktop_Simple_Strategies_for_Helping_your_Child_Listen_and_Follow_Through_.jpeg) Splitit’s installment-based payment solution emerged as an attractive alternative for parents seeking to avoid hefty charges on their credit cards or simply opting for a more manageable monthly payment plan using the credit they already have access to. Aziz Kabani explains, “Other installment plans would hold the entire amount for the duration of the loan and the program. So I think that’s what was throwing parents off. They’re like, well, what’s the difference then? If I just pay for it, if it’s going to be held and I don’t have access to my funds, it’s the same. Whereas you guys are just authorizing it.” ![](https://www.splitit.com/wp-content/uploads/2023/10/Huntington-Learning-Center-Photo.jpg) ## Splitit’s Impact Maria and Aziz emphasized that the real winners in this scenario are the students and their families. Splitit’s flexibility has made quality education more accessible to numerous families. It has removed financial obstacles that might have otherwise prevented certain students from enrolling. Maria encapsulates it beautifully: “Our goal is to provide great instruction to our kids, and we want to do it with integrity. We want to do it in a way that will be impactful for them and that they will be able to see the fruits of whatever amount of money they’re putting in. And I feel like Splitit definitely helps us with that internal mission statement for us.” These locations were early adapters and have seen tremendous growth during this short time. Aziz explained: “We could have lost business if we did not have Splitit.” Having Splitit as an option has allowed these centers to onboard families that originally could not join before Splitit. ![](https://www.splitit.com/wp-content/uploads/2023/10/Six_Signs_Your_Child_Needs_a_Math_Tutor_.jpeg) ## Recommending Splitit In conclusion, when asked whether they would recommend Splitit to other educational institutions or colleagues, both Maria and Aziz wholeheartedly responded with a resounding yes. They commended Splitit for introducing an additional payment option that has not only benefited their business but, most importantly, the families they serve. **“I think maybe 80% of our Splitit transactions are families that we probably would have not enrolled had you guys not been there,” Maria stated.** Splitit has not only streamlined payment processes for educational centers but has also broadened the horizons for countless students to access quality education, crafting a success story well worth sharing. ![](https://www.splitit.com/wp-content/uploads/2023/10/Setting_realistic_expectations_for_children_with_ADHD__1.jpeg) ## Ease of Implementation When Maria and Aziz were asked how easy on a scale of one to ten it is to integrate Splitit into their workflow and business process, both gave Splitit a score of 9. Aziz explained “ I will say that I think from your end, you have made it pretty simple. Everything is already set up, you have a portal, and everything is great.”  Aziz also noted that Splitit is the best payment installment to use for students and families who are re-enrolling in the program. ## Want to find out how Splitit can help your business grow like Huntington Learning Center? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=lna0a8w37msu)# Canyon’s award winning bikes paired with Splitit leads to a great partnership +13% increase in AOV 21% of shoppers chose Splitit ![](https://www.splitit.com/wp-content/uploads/2024/10/success-story-canyon.jpg) ### About Canyon An award-winning German manufacturer of racing bikes, mountain bikes, and triathlon bikes, Canyon Bicycles GmbH is an industry leader who is focused on competition. They also make E-bikes and hybrid bikes. Their mission is to “build the best bikes,” and they continuously strive to be the best. Developed using advanced computer technology by expert engineers, creative designers and passionate cyclists, Canyon bikes have won multiple Grand Tours, many World Championships, and countless test victories in the press. ![](https://www.splitit.com/wp-content/uploads/2022/01/Canyon-endurace-on.jpeg) ### Canyon + consumers Canyon Bicycles is the leading direct-to-consumer bicycle brand. There has never been a middleman, since they are the manufacturer. Canyon has an international team of support agents who are available to help answer any questions in any language, and they listen closely to what their customers want. Their bikes are performance design and technology, which means they do have a premium price tag, and financing options are a popular request. “ “The Splitit Team has been taking good care of us. It’s been a great partnership and we are all really happy with the results from both sides!” ![](https://www.splitit.com/wp-content/uploads/2022/01/Canyon-precede-on.jpeg) ### Canyon + Splitit Canyon bikes are designed and manufactured at their Headquarters in Koblenz, Germany, and shipped directly to their customers all over the world. Since the company operates on such a global scale, to meet their customers’ demands they needed a monthly payment solution that could easily work in all of their markets. Canyon decided to partner with Splitit because their solution was a global one that offered seamless integration and worked across all platforms. The team at Canyon found onboarding and operating with Splitit to be an easy process, and it was really well accepted by their customers, even more than expected. Within the first four weeks, they tested Splitit in 6 countries and saw 1500 transactions and a 13% increase in average order values (AOV). Now they’ve expanded Splitit into another 18 countries, with plans to enter the U.S. soon. ## Want to find out how Splitit can help your business grow like Canyon? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=8fhaeqiqbmao)# Strong start for Exxentric & Splitit +26% sales in first quarter +88% average order value +77% AOV vs. legacy BNPL ![](https://www.splitit.com/wp-content/uploads/2024/10/exxentric-with-logo.jpg) ## About Exxentric Exxentric, founded in 2011, is a strength equipment manufacturer specializing in flywheel training equipment that works without gravity. These flywheel devices are designed to efficiently store kinetic energy and resist changes in rotational speed, and are often used to provide continuous power output. It was used in the 1980’s to help astronauts avoid muscle atrophy and bone loss in space, and over time it has been incorporated into resistance training. ![](https://www.splitit.com/wp-content/uploads/2022/01/exxentric-system-splitit.webp) ## The background of Exxentric The founders of Exxentric, Fredrik Correa and Mårten Fredriksson, both used to work at an elite ice hockey club training junior players when they first met. They were both dealing with the same problem: the majority of their time was focused on teaching their players how to lift rather than improving their performance. Their frustration circled around the limitations that using free weights came with, as they were limited with how much load they could put on these talented athletes due to lack of technique. This frustration combined with their discovery of flywheel training ultimately led to the creation of Exxentric. They decided to create a multi-exercise device that could be used for strength training, rehabilitation, injury prevention, general fitness, and much more. Using a flywheel device, instead of free weights, provides the user with variable and unlimited resistance while also offering them a safe and convenient way to achieve an eccentric overload. ![](https://www.splitit.com/wp-content/uploads/2022/01/exxentric-splitit.jpg) Today Exxentric’s product lines include the kBox4, the kPulley2 and the LegExx. With each of their flywheel devices, you work against the inertia of heavy steel flywheels, instead of lifting weights against gravity. The kBox4 is designed for horizontal movements and is renowned for its ability to safely and efficiently overload the eccentric portion of movement in regular training as well as its variable and unlimited resistance, both backed by growing scientific support. Their kPulley2 is the ideal solution for horizontal exercises based on the same, scientifically proven flywheel technology as the kBox4. The LegExx is their first single-exercise flywheel training device intended for seated leg extension training. They also have numerous accessories, including their kMeter feedback system, developed to accurately monitor power and energy output as well as estimate force production during flywheel training on all of their devices. Their kMeter is used in combination with their kMeter App, which is designed to track data and progress over time. “Given that we have pretty high order values, I think it’s important for us. That’s probably the same for many other fitness equipment vendors. You need options for the customer to find the right financing.” Johan Larsson, Head of Ecommerce and Marketing “ “Splitit offers a very unique payment solution combined with great customer service and customer support. I see our company working with Splitit for a very long time.” ![](https://www.splitit.com/wp-content/uploads/2022/01/exxentric-exercise-splitit.webp) ### What sets Exxentric apart Exxentric’s flywheel equipment is so effective they are used by the military, professional and collegiate teams as well as personal trainers and home gym users. Another thriving market is for Physical Therapy, implementing safe and effective rehabilitation protocols to improve recovery times. What Exxentric wants to share with the world is that strength training is for everybody and it’s very accessible. The key advantages of using an Exxentric flywheel device are: In summary, when using Exxentric flywheel devices, whatever you put in you get back. It offers variable and unlimited amounts of resistance, which means it can work with any body regardless of how strong (or experienced) they are. With Exxentric’s flywheel devices, you are able to get stronger in a shorter period of time with less risk of injury. ![](https://www.splitit.com/wp-content/uploads/2022/01/exxentric-product-splitit.jpg) ### Partnering with Splitit When Andreas, the Senior VP of Sales & Operations at Exxentric North America, found out about Splitit’s payment solution, he saw it as a great opportunity to provide added value to their customers and help them expand further into the “home-gym” market. This in turn, has offered Exxentric’s customers a unique and affordable solution for equipment purchases. Integrating Splitit into their checkout process eliminated a lot of friction in a way that other payment solution providers couldn’t, making the whole checkout process simple and easy. It offers customers a payment solution that is easy to understand, instantly accessible, and provides a great customer experience. “We are excited to have the opportunity to offer Splitit as a payment solution. It is a great opportunity for our customers to have the ability to split their payments for up to 36 months with zero credit check, which is unheard of anywhere else.” Andreas Ahlstrom, Senior VP of Sales & Operations ![](https://www.splitit.com/wp-content/uploads/2022/01/exxentric-medical-splitit.jpg) ### Seeing real change right away Within the first 3 months working with Splitit, Exxentric North America saw a 26% increase in sales. A peek into the data showed Splitit customers were more willing to add accessories to their purchases, increasing their average order values (AOV), compared to those choosing to pay the traditional way. On average, they saw a 29% increase in AOV on Splitit purchases within the first 3 months. In addition, their AOV compared to a competitor they had previously used was 77% higher and the largest order value with Splitit was 416% more than the competitor. Fast forward another year and Exxentric are now seeing the average order value for orders coming in via Splitit are 88% higher than order values overall. “When we launched with Splitit, a lot of people chose it as their payment method. We do believe that this has contributed to our growth. That’s what’s important for us.” Johan Larsson, Head of Ecommerce and Marketing Right from the start, customers were really motivated by Splitit’s payment solution and felt more comfortable making a purchase when they were able to spread their payments over 36 months and with no credit check or application required. On the backend, Andreas said that he appreciated the quality of Splitit’s customer service and their hands on approach to working together. [Read more about the successful partnership here](https://athletechnews.com/exxentric-pushes-boundaries-inside-outside-the-gym-with-splitit/) ## Want to find out how Splitit can help your business grow like Exxentric? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=6k6go4d9l20h)# 連絡先 ![Card](https://www.splitit.com/wp-content/themes/designbypelling/img/shopper-credit-card-orange.png)![Card](https://www.splitit.com/wp-content/themes/designbypelling/img/shopper-credit-card-blue.png)![Card](https://www.splitit.com/wp-content/themes/designbypelling/img/shopper-credit-card-black.png) 日本事務所 ## サポートは、日本標準時の午前11時から午後7時まで開いています。 [81 (503) 201-4887](tel:00815032014887) Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=2dpv90ud529t)E-commerce installments # The world’s largest card-linked installment provider Splitit’s Installments-as-a-Service puts the power back in the hands of merchants to retain customers, drive conversion, and increase average order value. - **Fully embedded at checkout** - **Highest approval rates** - **No new loans or applications** [Book a demo](https://www.splitit.com/merchants/products/e-commerce-installments/#contact-sales) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/e-commerce-installments-hero-947x1024.png) ![Google](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group.png)![James 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Network](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Google](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/ableton1.png) ## Credit card installments unlock huge potential ### 1.2bn approved customers Anyone with a credit card can use Splitit, anywhere in the world – no registration, application, or underwriting required. ### $35,474 avg. credit available Customers can maximize their purchasing potential using the credit they have already earned, without paying interest. ### 85%+ approval rate Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. White-label installments ## Frictionless payments Splitit provides the technology that empowers you to offer installment payments embedded within your existing customer journey. Pay now$2,500Pay in 3$833.33Pay in 9$277.78$2,500Or from $416.66/moLearn more ### Own the end-to-end journey Splitit places your brand at the heart of every transaction, ensuring that you maintain complete control over the customer experience. By managing the entire journey, you can tailor the shopping experience to reflect your brand’s unique values and drive repeat business. ### Use existing credit Splitit removes the high risks of legacy BNPL by using existing credit, meaning there is no underwriting and we won’t hurt your shopper’s credit rating. Plus, shoppers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud. ### No registrations or redirects Splitit embeds into your current purchase flow, allowing any consumer with an active credit card to use the service – there’s no registration or application needed. Our seamless integration keeps the checkout smooth and straightforward, resulting in higher conversion rates and a checkout that is quick, easy, and secure for your shoppers. ![]() ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/vestiairecollective_logo.svg) We can propose Splitit for high-value items, where we could not with other buy now, pay later solutions **Pedro Bennasar**, Head of Payments, Vestiaire Collective [Read the full story](https://www.splitit.com/success-story/vestiaire-collective/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/emma-logo.svg) Splitit has definitely been a big factor in increasing our conversions and overall interest in our product. **Alicia Fernandes**, Project Manager at Emma [Read the full story](https://www.splitit.com/success-story/emma/) ## The future-proof pay-later option Splitit’s Installments-as-a-Service platform is a new way to drive installment payments through a merchant-branded experience. While merchants are experiencing increased sales with legacy BNPL, they also face several challenges: losing control of consumer relationships, poor checkout conversion due to consumer friction, low credit approval rates and heightened regulatory scrutiny. Splitit’s Installments-as-a-Service platform mitigates these issues, making it the most attractive value proposition for merchants. [Explore our plans](https://www.splitit.com/pricing-plans/) ### Feature ### Legacy BNPL ### Splitit Use Existing CreditNo RegistrationWhite-labelGoogle Pay/Apple PayAt CheckoutMerchant IntegrationsIndustry AgnosticNo Credit CheckLow RiskAverage Order Value $250 $1,000+ ## Customize your white-label installments Splitit’s Installments-as-a-Service solution gives you full flexibility on your BNPL offering. Do you want your customers to pay monthly, or every two weeks? Do you want to offer down payments, or allow your customers to only pay on delivery? We’ll make it work for your needs. ![]() ### Pay monthly Give your customers the option to pay in monthly installments. ![]() ### Pay every two weeks For added flexibility, we also offer the option for your customers to split the cost of their purchase and make payments in 2 week installments. ![]() ### Partial installments Allow your customers to pay a larger sum upfront and split the rest over time. ![]() ### Pay after delivery Allow customers to pay when the item is delivered. You can also offer for customers to pay with installments after delivery (just like Cash on Delivery, but digital!). ![]() ## Frequently asked questions ## What are installment payments? Installment payments allow customers to spread the cost of a product or service, instead of paying the whole price at once. Depending on the plan they choose, shoppers only pay a percentage of the cost and pay the rest in equal monthly payments over an agreed period. ## Why offer installment payments? Installment payments offer customers the flexibility to purchase higher-end, quality products and services but spread the cost over a time that suits them. Offering installment options to your customers increases conversion, along with average order value and builds brand loyalty. With Splitit, there are never any hidden fees or interest rates and customers can also enjoy the usual benefits of using their existing credit card. ## How does Installments-as-a-Service work? Splitit provides the technology to fully integrate into your existing payment platforms, simplifying the journey to purchase. Our services work as a layer between your ecommerce platform and your existing payment gateway. Splitit can be set up easily via a single API integration, which works globally. ## Is a credit check required for Installments-as-a-Service? Credit checks are not needed to make use of our Installments-as-a-Service solution and it will not affect your customer’s credit score. All a customer needs is their existing credit card and enough available credit to cover the cost of the purchase.# Splitit helps NOMOS Glashütte grow globally “We are extremely happy with our partnership! Splitit is the opposite of a typical financial institution. They are quick, helpful and nice, providing good service. We are very happy with the results and see it as a long term relationship!” ![](https://www.splitit.com/wp-content/uploads/2024/10/nomos-glashutte-withlogo.jpg) ## 35% of customers chose Splitit ## 2nd strongest payment method ## Greater success in international countries ![](https://www.splitit.com/wp-content/uploads/2021/12/nomos-design-tangente-silvercut-675x1024.jpg) ## NOMOS Glashütte timepieces [NOMOS Glashütte](https://nomos-glashuette.com/en) was founded by Roland Schwertner in 1990 in the heart of the German Ore Mountains where the art of watchmaking dates back generations. The timepieces made here are world famous and the watchmakers themselves are counted among the best of their kind. Even the name Glashütte holds significance as a protected designation of origin, and can only be used by watchmakers in that area. To set its brand apart from other quality watchmaking companies, NOMOS focused on mechanical innovation and technical advancements. They were especially keen on maintaining independence from suppliers—and rocked the watchmaking industry in 2014 when they designed and developed their own swing system, the part that powers a mechanical watch and sets the pace. NOMOS Glashütte is the largest manufacturer of timepieces in Germany. And they have been growing very consistently since 2012, with around 300 employees in offices around the world. NOMOS designs and produces all of their calibers in-house, which is extremely rare, and every single timepiece is made almost exclusively by hand in their facilities in Glashütte. Even though they are now operating on a global scale, selling to over 45 countries worldwide, NOMOS Glashütte continues to identify as a “family company”, with generations of watchmakers working together. Design-oriented individuals who follow the Bauhaus style are particularly drawn to the NOMOS aesthetic, where form follows function in a minimalistic style, highlighting the unification of art and technology in their timeless timepieces. Their current interest, setting themselves apart once again from others in the watch industry, is to reach a wider audience. They already have the best value for money. Now their customers can also purchase NOMOS timepieces using installment payments. ![](https://www.splitit.com/wp-content/uploads/2021/12/nomos-research-swing-system-1024x724.jpg) ## Time and technology The current times bring about so many new ways of doing things, including a huge shift in the way people shop today. Quick accessibility to quality products is very important for today’s consumers. NOMOS Glashütte, in their quest to stay at the forefront of technology and expand their reach, started searching for the right company to offer installment payment options to their customers. However, there were two key requirements their new payment solution had to fulfill: - International application – NOMOS Glashütte operates in over 45 countries worldwide - No maximum amount – ability to cover full price of their products [Splitit](https://www.splitit.com/) was the only alternative payment solution company that was able to check both boxes. ![](https://www.splitit.com/wp-content/uploads/2021/12/07-Adventskalender-inaktiv-werke-1024x758.jpg) ## The Splitit Solution Splitit is the only global solution that works using shoppers’ existing credit cards. There are no fees or interest and customers are not required to fill out any applications or run credit checks. It fits seamlessly into the checkout process, making it a very fast and easy option for shoppers to select. Splitit’s installment payment option greatly improves the accessibility for shoppers who want a NOMOS timepiece, but might not want to spend the full lump sum in that moment. This way, their customers can get what they want right away, with very little upfront cost, spreading their payments over up to 12 months. Customers appreciate having installment payments as an option, and NOMOS has seen a great improvement in AOV and sales after implementing Splitit into their checkout system. In addition, Splitit is very focused on customer service, both in assisting the end-consumer with questions and issues, as well as being an active partner with retailers in developing the best customer-friendly solutions. **_“T_** **_he Splitit options allows for greater success in international countries, especially in the US. Around 30-35% of US watch purchases from the NOMOS Store are completed using the Splitit payment method. For the first time since being introduced in 2019, Splitit has now established itself as the second strongest payment method in the first half of 2023, right after regular Credit Card payments.”_** **Fanni Melzer** Head of E-Commerce, Nomos ## Want to find out how Splitit can help your business grow like NOMOS Glashütte? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=kp7xgec6kmzl)# How Splitit helped ReST bring their smart bed to all x5 conversions since adding Splitit +468% gross revenue +386% units sold ![](https://www.splitit.com/wp-content/uploads/2024/10/rest-with-logo.jpg) “ “This is ultimately the goal of any business – to increase business. The numbers have shown significant increase in sales since September, and Splitit has definitely played a significant role in that growth.” ![](https://www.splitit.com/wp-content/uploads/2022/01/REST.affordable-family.jpeg) ## About ReST ReST smart bed, developed from 30 years of pressure mapping sensor technology in the medical industry, has rocked the otherwise homogeneous mattress industry with the very first and only truly customizable and responsive sleeping surface that changes with you and adapts to your various needs over time. Their goal is impressive. They work hard to bring life-altering sleep to as many people as possible (even as a premium product), and they decided to partner with Splitit last year to help them reach more shoppers everywhere. They have seen an impressive growth in volume ever since, which goes to show premium prices can still be accessible. ![](https://www.splitit.com/wp-content/uploads/2022/01/rest.jpg) ## Why Splitit Initially, ReST smart bed offered in-house financing to their customers for 12 months with a $1,000 deposit. The financial risk was completely on their shoulders and was applied to only around ⅓ of their purchases. ReST wanted to provide payment options to more of their customers, without taking on more risk themselves. Partnering with Splitit removed the risk from ReST and helped allow for more exponential sales growth. They have also seen a 5X increase in conversion since offering Splitit. Offering Splitit is a win-win for everyone as the business benefits are apparent, and their customers can now pay in up to 36 monthly installments with no added fees or interest, and no deposit. ## Want to find out how Splitit can help your business grow like ReST? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=hqhuuhc9nqgb)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=ldf9wkio1vsi)# Record numbers for crowdfunded startup, Omnipemf +88% revenue growth -17% cart abandonment ![](https://www.splitit.com/wp-content/uploads/2024/10/omnipemf-with-logo.jpg) “ “To describe Splitit in one word, I would say ‘simplicity’. It is impossible to drop your conversion rate because of Splitit. You can only increase it. It’s 3 clicks until purchase! Simple and frictionless.” ![](https://www.splitit.com/wp-content/uploads/2021/12/Omnipemf.2.webp) ## About PEMF technology PEMF technology, also known as Pulsed Electromagnetic Field Therapy, has a long history of beneficial medical and scientific use dating back into the 18th century. It has an extensive history of healing properties. Nikola Tesla discovered that cells respond positively to PEMF energy, and developed an electromagnetic device 1891, which he used on patients for immediate physical pain relief. NASA even incorporated PEMF technology into its spaceships to help mitigate bone loss and muscle degeneration. Today, Omnipemf has developed a wearable device that offers everyone access to medical grade technology to use at home for stress relief, pain management, relaxation and better sleep. ## About Omnipemf Founded in 2016 in Slovenia as a crowdfunded startup, Omnipemf develops a wellness product using PEMF technology that is scientifically validated to build mental health and improve lives. Everything is made in-house, selling worldwide to over 100 countries, and they are looking to expand even further. Omnipemf is all about innovation and listening to their customers, implementing their needs into products that are very stylish and easy to use, which is how they came to partner with Splitit (but more on that later). Omnipemf’s latest device, NeoRhythm, is the most optimized wearable device on the market. It is used to improve sleep, energy, focus and relaxation. It offers even more specific wave patterns that encourage meditation and even pain relief. Omnipemf’s products are meant for everyone willing to improve their lives and mental health. And people are loving it! NeoRhythm has seen a huge sales growth worldwide within its first year on the market. ![](https://www.splitit.com/wp-content/uploads/2021/12/Omnipemf.3-1024x683.webp) ## Customers push for alternative payments Omnipemf stays innovative first and foremost by listening to their customers. One key request this year (during the pandemic) has been for an installment payment option. People are looking to improve their health, but they are also looking for ways to spread out the cost. Omnipemf chose to work with Splitit because their technology was not complicated and it was not a financial loan. It offered a simple way to split payments over several months without any issues. From the beginning, when they first introduced Splitit as a payment option, Omnipemf began to see an immediate rise in revenue. Their customers loved being able to pay in installments and they felt that Splitit was easy and safe to use. “To describe Splitit in one word, I would say ‘simplicity’. It is impossible to drop your conversion rate because of Splitit. You can only increase it. It’s 3 clicks until purchase! Simple and frictionless.” – Benjamin Kumalić, CMO. ![](https://www.splitit.com/wp-content/uploads/2021/12/Omnipemf.1-1024x683.webp) ## Benefits from Splitit Since implementing Splitit in June, Omnipemf has seen a growth in Sales of 6%, Average Order Value (AOV) has increased by 8.4% and Conversion has increased by 5%. There has also been a steady increase in the number of purchases made in Splitit each month and a decrease of 17% in cart abandonment. The real growth, however, began when the company started to actively advertise Splitit payment options, with a concentration on Facebook ads, which have led to continued growth. They have seen an equal response in both their remarketing as well as their prospecting efforts from these ads. Overall, there has been an 88% increase in revenue and they are working hard with Splitit to continue to grow their market. ## Want to find out how Splitit can help your business grow like Omnipemf? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=5cm7omd5sebc)# Installments for education purchases A responsible BNPL solution ideal for the education sector. Offer installment payments to boost enrolments and reduce new lines of debt for students. [Book a demo](https://www.splitit.com/merchants/industries/education/#contact-sales) 80% of our Splitit transactions are families that we probably would have not enrolled had Splitit not been there.Maria Aruca – Regional Director, Huntington Learning Center ![](https://www.splitit.com/wp-content/uploads/2024/12/hlc-splitit-how-it-works-300x261.png)![](https://www.splitit.com/wp-content/uploads/2024/11/secure-compliant-installment-payments-for-online-course-providers-300x200.jpg)![](https://www.splitit.com/wp-content/uploads/2024/11/enhanced-cash-flow-consumer-finance-for-education-300x200.jpg)![](https://www.splitit.com/wp-content/uploads/2024/10/guaranteed-payments-splitit-pay-later-300x200.jpeg) ![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Mobvoi](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi1.jpg)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Mobvoi](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi1.jpg)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Mobvoi](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi1.jpg)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Mobvoi](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi1.jpg)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png) ## A more responsible way to pay We are the only installment payment solution that allows students to use their existing credit card at checkout without increasing their debt or dealing with added interest. Students benefit from a payment assist solution, meaning they receive an interest free payment plan that comes with an agreed term and monthly payments. Splitit Embedded Ecommerce Installments - YouTube Splitit 489 subscribers [Splitit Embedded Ecommerce Installments](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc) Splitit Search 1/1 Info Shopping Tap to unmute If playback doesn't begin shortly, try restarting your device. Up NextCancelAutoplay is paused You're signed out Videos you watch may be added to the TV's watch history and influence TV recommendations. To avoid this, cancel and sign in to YouTube on your computer. CancelConfirm Share Include playlist An error occurred while retrieving sharing information. Please try again later. Watch later Share Copy link Watch on 0:00 [Previous (SHIFT+p)](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Previous (SHIFT+p)")[Next (SHIFT+n)](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Next (SHIFT+n)") / •Watch full videoLive • [Watch on YouTube](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Watch on YouTube") ## Frictionless payments Splitit provides the technology that empowers you to offer installment payment plans embedded within your existing customer journey, allowing students to choose how they want to pay for their next purchase. This means whether it is a single course or an ensemble of courses valued at a higher cost, Splitit handles the full purchase payment with no interest. You, on the other hand, do not need to worry about managing a credit check or payment plans. The payment assist is a safe and simple service for both students and education providers. [Book a demo](https://www.splitit.com/merchants/industries/education/#contact-sales) Pay now$2,500Pay in 3$833.33Pay in 9$277.78$2,500Or from $416.66/moLearn more ### Own the end-to-end journey Our white-label installment payment solution puts your brand at the center, allowing you to keep control of your customer journey and increasing your brand loyalty. Splitit does not charge any interest or fees, making it easy to pay for education and more people can sign up for your course. ### Use existing credit Splitit removes the high risks of legacy BNPL by using existing credit, meaning there is no underwriting and we won’t hurt your shopper’s credit rating. Plus, students and families get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud. ### No registrations or redirects Splitit embeds into your current purchase flow, allowing any consumer with an active credit card to use the service – there’s no registration or application needed. Our seamless integration keeps the checkout smooth and straightforward, resulting in higher conversion rates and a checkout that is quick, easy, and secure. ![](https://www.splitit.com/wp-content/uploads/2024/11/flexible-payment-solutions-with-splitit-1024x683.jpg) ## Flexible payment solutions Splitit offers hassle-free installment payment options, allowing your students’ families to pay tuition over time without the need for credit checks, additional loans, or interest charges. The key focus with card-linked installments is to make it as easy and convenient as possible to pay, so your education services are accessible to a wider audience group. ![](https://www.splitit.com/wp-content/uploads/2024/11/enhanced-cash-flow-consumer-finance-for-education-1024x683.jpg) ## Enhanced cash flow Experience improved cash flow with predictable, on-time tuition payments. Say goodbye to late or missed payments and enjoy financial stability. We make it easy to pay and get paid with a specific plan that ensures that individuals taking education courses can pay in installments, and you know when they will pay you. ![](https://www.splitit.com/wp-content/uploads/2024/11/increasing-enrollment-for-education-1024x683.jpg) ## Higher enrollment rates Offering flexible payment plans makes your programs more accessible and attractive to a wider range of students, leading to increased enrollment rates. ![](https://www.splitit.com/wp-content/uploads/2024/11/zero-risk-consumer-financing-education-1024x683.jpg) ## Zero risk With Splitit, there’s no financial risk. Your education company, be it online or in-person, can benefit from our service without any cost or obligation, and students’ families won’t incur additional fees. ![](https://www.splitit.com/wp-content/uploads/2024/11/secure-compliant-installment-payments-for-online-course-providers-1024x683.jpg) ## Security and compliance Rest easy knowing that Splitit adheres to strict security and compliance standards, ensuring the safety of sensitive payment data. It’s not just an interest free plan to pay for education, it’s also risk free for educators and their student groups. ![](https://www.splitit.com/wp-content/uploads/2024/11/best-in-class-support-installment-payment-solutions-1024x540.jpg) ## Personalized support Our dedicated team is here to support you every step of the way, from onboarding to implementation to ongoing maintenance, providing a level of service that matches your franchise’s commitment to education excellence. ![](https://www.splitit.com/wp-content/uploads/2024/11/huntington-black-logo.png) We’ve been able to get students enrolled using Splitit when other payment options weren’t available to the parents. The Splitit system is simple to learn and use. **Rich Bernstein** Owner, Huntington Learning Center Real Businesses. Real Stories. ## Don’t just take our word for it. Splitit has helped thousands of businesses around the world to offer flexible pay-over-time options to their customers, using their existing credit card, in a more responsible way. [Book a demo](https://www.splitit.com/merchants/industries/education/#contact-sales) [![Maria Aruca ](https://www.splitit.com/wp-content/uploads/2024/10/huntington-cover-success-stories.jpg)\\ I think maybe 80% of our Splitit transactions are families that we probably would have not enrolled had you guys not been there.\\ \\ **Maria Aruca** Regional Director, Huntington Learning Center \\ View success story](https://www.splitit.com/success-stories/education/huntington-learning-center/) [![Daniel Frazer](https://www.splitit.com/wp-content/uploads/2024/10/batelle-cover.png)\\ Splitit allows us to reach customers who would otherwise be unable to purchase and attain a sleep solution for their child.\\ \\ **Daniel Frazer** Batelle CFO\\ View success story](https://www.splitit.com/success-stories/education/batelle/) [![Heidi Hillis](https://www.splitit.com/wp-content/uploads/2024/10/fortuna-with-logo.jpg)\\ Our clients love the flexibility of being able to pay in installments\\ \\ **Heidi Hillis** Fortuna Admissions\\ View success story](https://www.splitit.com/success-stories/education/fortuna/) Form [Skip to form](https://js.hsforms.net/ui-forms-embed-components-app/frame.html?_hsPortalId=48942024&_hsFormId=f936b4da-4394-4e91-b7cd-42e7586c5d70&_hsIsQa=false&_hsHublet=na1&_hsDisableScriptloader=true&editorVersion=2.0#main) # Let’s make learning accessible for all. Our team can show you how Splitit makes education payments more manageable. Reach out for a friendly, no-obligation chat! Email\* Company Name Message By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our Privacy Policy. You can exercise your data protection rights (in arts. 15-22 of the GDPR) at privacy@splitit.com Submit ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) reCAPTCHA Recaptcha requires verification. 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You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com) 25% PreviousSubmit ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) reCAPTCHA Recaptcha requires verification. 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BY ACCESSING THE SPLITIT WEBSITE, USING THE SPLITIT SERVICES OR THE SPLITIT PLATFORM, YOU AGREE TO BE BOUND BY THE (1) PLATFORM AGREEMENT AND (2) [SPLITIT PRIVACY POLICY AND PRIVACY NOTICE](http://splitit.localsite/legals/splitit-privacy-policy/english/). YOU SHOULD RETAIN A COPY OF THIS PLATFORM AGREEMENT FOR YOUR RECORDS. ## 1\. THE PLATFORM AGREEMENT **1.1** This Platform Agreement (“ **Platform Agreement**”) is a contract between the merchant identified in the Merchant Application (“ **you**”, “ **yours**”, “ **your**” or “ **Merchant**”) and Splitit Australia Pty Ltd (ABN 47 633 648 861) (“ **we**,” “ **us**,” “ **our**” or “ **Splitit**”) (together, “ **The Parties**”). **1.2** This Platform Agreement governs your engagement with Splitit (the **“Splitit Services”**), whereby we provide you with a proprietary technology solution for instalment payment processing (“ **Splitit Platform**”). The Splitit Platform allows you to enter into a retail instalment sales contract (“ **Instalment Agreement**”) with your shoppers (each a **“Customer”**), under which you sell goods and services, and the Customer agrees to pay you for such goods and services by instalment payments (“ **Instalments**”) which are processed through your card processor (each such transaction, a “ **Splitit Transaction**”). **1.3** Splitit may make changes to this Platform Agreement from time to time, provided, however, that we will not make any material changes to the Platform Agreement (including any changes that impose additional obligations on you) unless we have given you not less than thirty (30) days prior written notice of such changes. Splitit will inform you via email and/or your merchant portal of any such material changes to the Platform Agreement. BY USING THE SPLITIT SERVICES AND SPLITIT PLATFORM AFTER THE DATE ANY SUCH CHANGES ARE NOTIFIED TO YOU TO BECOME EFFECTIVE YOU AGREE TO ACCEPT SUCH CHANGES TO THIS PLATFORM AGREEMENT INCLUDING ANY ADDITIONAL OBLIGATIONS THEREIN.  The current Platform Agreement can be found on our website at [www.splitit.com](http://splitit.localsite/) which Merchant should review from time to time. ## 2\. SERVICES WE PROVIDE TO YOU 2.1 **Instalment Processing** **(a) Splitit Platform**. The Splitit Platform allows you to obtain an authorisation for the total remaining outstanding balance of the Splitit Transaction (“ **Authorization**”) using the available credit or available balance on your Customer’s payments card. The payments card must be a type that utilises a card network supported by the Splitit Platform (the “ **Card Networks**”). The Splitit Platform periodically issues new Authorizations on your behalf for the remaining balance, less each paid Instalment. You may also choose to authorize Splitit Transactions without issuing Authorizations and instead collect payments by charging the payment card for the amount of the Instalment on or around each Instalment due date. **(b) Timing of Authorizations**. The Splitit Platform will begin obtaining Authorizations on Customer’s cards on your behalf at the time of purchase, unless otherwise agreed with Splitit. Unless you notify us otherwise, we will capture the first Instalment within three days of purchase. Merchant represents and warrants that all goods and services purchased by your Customer using a Splitit Transaction will have been shipped, delivered, or provided within this time frame. If you have reason to believe this may not be the case, you shall notify the Splitit customer success team immediately, via email to [success@splitit.com](mailto:success@splitit.com). **2.2 Customer Journey**. Splitit shall provide you with customer journey marketing assets, which may change from time to time, in connection with the Splitit Services and provide guidance on the best placement of these assets for maximum impact and conversion with your shoppers. Merchant hereby agrees to reasonably comply with the placement of the customer journey assets and guidelines. We may agree with you from time to time on additional promotional activities, through your website or otherwise.  In no circumstance should any marketing assets suggest that Splitit is entering into, or responsible for, the Instalment Agreement with the Customer and it should be made clear to the Customer that Splitit is only operating the Splitit platform to facilitate payment by way of instalment. **2.3 Customer Consent**. For each Splitit Transaction, you must ensure that your Customer accepts and approves all Customer Forms (as defined below) related to the Splitit Services including, the [Consumer Terms of Service](http://splitit.localsite/legals/splitit-shopper-terms-conditions/united-states/) and the payment authorisation (“ **Customer Forms**”). By accepting and approving the Customer Forms, the Customer consents to the Authorization and capture of the full Splitit Transaction amount, the number and schedule of Instalments, the amount captured in each Instalment, and any other terms set forth therein. You will have no right to amend, vary or supplement the terms of the Customer Forms, without prior written consent from Splitit, at any time, as those terms apply to each of your customers in respect of each Splitit Transaction and, in addition to your own standard trading terms for the supply of goods or services, the Customer Forms shall be the only terms between you and the customer in respect of each Splitit Transaction. **2.4 Customer Forms**. You understand that the Consumer Terms of Service and other Customer Forms are contracts entered into between the Merchant and the Customer.  Merchant is solely responsible for fulfilling any and all obligations of such Customer Forms, and agrees to comply with all applicable laws governing such Customer Forms and the Splitit Transactions to which they pertain. Splitit is not a party to the Customer Forms and disclaims all responsibility for Merchant’s compliance with the Customer Forms. **2.5 Splitit Platform Service and Maintenance**. You will promptly notify us of, and assist us in diagnosing, any failure or other impediment to your use of the Splitit Platform, whereupon we will use commercially reasonable efforts to repair the failure or otherwise arrange for the necessary maintenance. ## 3\. FEES AND PAYMENT TERMS **3.1 Customer Fees and Expenses**. Splitit does not charge Customers any time-price differential, interest rate on outstanding transaction amounts, fees (including, but not limited to, service fees, late fees, credit card surcharges and convenience fees), or penalties in connection with Splitit Transactions, except as expressly set forth in the Customer Forms. **3.2 Fee Schedule**. The Merchant agrees to pay Splitit the fees set forth in the Merchant Application or as otherwise agreed with Splitit (the “ **Fee Schedule**”) in connection with each Splitit Transaction, which is incorporated by reference into this Platform Agreement (the “ **Fees**”). Fees shall be due on the date each Splitit Transaction is created and are payable in accordance with the terms of this Platform Agreement. We reserve the right to modify the Fee Schedule at any time by providing thirty (30) days prior written notice. **3.3 Payment Terms**. Merchant hereby authorizes Splitit or its service provider to make regularly scheduled charges from Merchant’s checking account or other accepted payment method identified by the Merchant (“ **Merchant Account**”) for all Fees and other amounts owed to Splitit under this Platform Agreement.  Merchant understands that this authorisation will remain in effect until Merchant cancels it in writing, and Merchant agrees to notify Splitit in writing of any changes in the Merchant Account information or termination of this authorisation at least fifteen (15) days prior to the next payment due date. If you terminate this authorisation, Splitit may require you to authorize payments using another Merchant Account. Fees will be payable monthly in arrears, subject to rights of setoff contained herein, including in connection with chargebacks and refunds. Merchant understands that the payment may be charged to the Merchant Account on each payment date. If any payment date falls on a weekend or holiday, Merchant understands and agrees that payments may be executed on the next business day. Merchant understands and agrees that Splitit may not provide prior notice of each transaction unless required by law. In the event any Merchant Account payment charge or transaction is rejected for insufficient funds (NSF) or any other reason, Merchant understands that Splitit may, at its discretion, retry the transaction, unless prohibited by law.  Merchant agrees that Splitit may charge a $30.00 fee each time a transaction or attempt is returned unpaid, and authorizes Splitit to collect that fee by initiating an additional charge to the Merchant Account for the amount of the fee, on or after the date the fee is incurred. **3.4 Non-Payment of Fees**. Any Fees, or other amounts you owe us under this Platform Agreement, which are not paid within thirty (30) days may be subject to interest and late fees as separately agreed or notified in writing, starting as of the date the payment of each such amount was due, until all such Fees are paid in full. Notwithstanding the foregoing, we reserve the right, in our sole discretion, to suspend or cancel your service if any Fees remain unpaid for more than five (5) business days after the payment due date. **3.5 Taxes**. Except in relation to GST, it is your responsibility to determine what, if any, taxes apply in connection with your use of the Splitit Services and Splitit Platform, including to withhold or deduct, report and remit the correct tax to the appropriate tax authorities.  To the extent that you are required to withhold or deduct an amount in respect of taxes from a payment in respect of this Platform Services Agreement, you are required to pay an additional amount so that, after making the withholding or deduction, Splitit receives (at the time the payment is due) the amount it would have received if no withholding or deduction had been required. **3.6 GST definitions**.  In Sections  to : (a) “ **GST Act**” means the A New Tax System (Goods and Services Tax) Act 1999 (Cth); (b) words and phrases which have a defined meaning in the GST Act have the same meaning, unless the contrary intention appears; and (c) each periodic or progressive component of a supply to which section 156-5(1) of the GST Act applies is to be treated as if it were a separate supply. **3.7 GST exclusive amounts**. Unless otherwise expressly stated in this Platform Agreement, all consideration provided or to be provided in connection with this this Platform Agreement is exclusive of GST. **3.8 Payment of GST**. If GST is payable on a supply made in connection with this Platform Agreement, the party which provides or which is liable to provide the GST-exclusive consideration for the supply agrees to pay to the supplier an additional amount equal to the amount of GST payable on that supply (“ **GST Amount**”). **3.9 Timing of GST payment**. Subject to the prior receipt of a tax invoice, the GST Amount is payable at the same time as the GST-exclusive consideration for the supply, or the first part of the GST-exclusive consideration for the supply (as the case may be), is payable or is to be provided. **3.10 Adjustment events**. If an adjustment event arises for a supply made in connection with this Platform Agreement, the GST Amount must be recalculated to reflect that adjustment.  The supplier or the recipient (as the case may be) agrees to make any payments necessary to reflect the adjustment and the supplier agrees to issue an adjustment note. **3.11 GST and payments, indemnities, reimbursements etc**. Any payment, indemnity, reimbursement or similar obligation that is required to be made in connection with this Platform Agreement which is calculated by reference to an amount paid or payable by another party must be reduced by the amount of any input tax credits to which the other party is entitled.  If the reduced payment is consideration for a taxable supply, Section applies to the reduced payment. ## 4\. REFUNDS; CHARGEBACKS; AND FRAUD **4.1 Refunds**. If you agree to issue any Customer a refund, you must notify us immediately and Splitit will cancel the remaining Instalments under the Splitit Transaction and reasonably cooperate with you and your processor, gateway, and acquirer to facilitate such refund. If you notify us of a partial refund, we will update the Authorization in the Splitit Platform accordingly.  Notwithstanding anything herein to the contrary, Merchant hereby agrees that Merchant shall be liable to Splitit for any refund initiated by Merchant’s Customers, for any reason, and Merchant shall indemnify and hold Splitit harmless for any damage, loss, cost or liability relating to, or resulting from, any such refund. **4.2 Chargebacks**. Although the Splitit Services can be used to obtain Authorizations for the full amount of the Splitit Transaction, this does not guarantee actual payment, and the full Splitit Transaction, or any single Instalment, may be returned or charged back to the Merchant, like any other payment card transaction. In the event of a chargeback, Merchant hereby agrees to promptly resolve the chargeback with Merchant’s processor and notify Splitit within seven (7) days of (i) any chargebacks and (ii) when any chargeback is resolved, including the resolution of such chargeback. Notification may be via the merchant portal, files or webhooks implemented during implementation. If we receive notice of any such chargeback, we will notify you accordingly and reserve the right to terminate the Authorization and the Splitit Transaction. Notwithstanding anything herein to the contrary, you shall be liable to us for any chargeback initiated by your Customers, for any reason, and you shall indemnify and hold Splitit harmless for any damage, loss, cost or liability relating to, or resulting from, any such chargeback. **4.3 Effect of Fraud, Disputes, and Chargebacks**. In the event of any fraud, dispute or chargeback Splitit may be unable to maintain Authorizations on the affected Splitit Transactions during the chargeback processing or the Processor or card issuer may cancel or terminate an authorization or block a capture against an Authorization. In each such case, Splitit cannot guarantee processing of the remaining Instalments and Splitit takes no liability for Customer payments in connection with fraud, dispute or chargebacks. **4.4** You shall be responsible for all Fees incurred from the date of the Splitit Transaction, which are non-refundable, and shall be considered fully earned by Splitit on the date of the Splitit Transaction, irrespective of whether such transactions are identified as a refund, chargeback, fraudulent or any other type of transaction. **4.5 Anti-Fraud**. Merchant represents that it has employed risk monitoring and fraud detection practices that a reasonable person would employ in e-commerce. Merchant hereby agrees that Merchant bears sole responsibility for any fraudulent activities associated with Splitit Transactions and, for the avoidance of doubt, Splitit has no liability for any such fraudulent activities. Notwithstanding the foregoing, we may, at our discretion, employ fraud detection technologies or other preventive tools in connection with the Splitit Services, which are designed to provide us with increased transaction screening and fraud detection capabilities. **4.6 Outstanding Amounts**. Except as otherwise provided herein, in any event in which you are unable to collect an amount owed to you by a Customer, which is the direct result of a failure by the Splitit Platform to issue an Authorization, to issue a new Authorization, or to capture an Instalment against an existing Authorization, we will be responsible for paying you the outstanding Authorization amount; _provided however_, that (i) each of Merchant and Processor has fully integrated the Splitit Platform in accordance with all written instructions and developers tools provided by Splitit, as may be updated from time to time,(ii) goods and services have been delivered or rendered as agreed between Merchant and Customer, (iii) transaction and shopper is not determined to be fraudulent, in Splitit’s sole discretion, (iv) Merchant, sub-merchant or affiliates are not determined to be fraudulent, in Splitit’s sole discretion, (v) Merchant has reconciled settled amounts from the Processor in accordance with industry best practices and (vi) Merchant has notified Splitit of any failure event within 30 days of the beginning of such failure event. ## 5\. FINANCIAL AND OTHER INFORMATION; PROTECTIVE ACTIONS **5.1 Financial and Other Information** **(a) Financial Records**. You shall immediately provide Splitit with all financial information reasonably requested by or on behalf of Splitit necessary to process your Application, in connection with a periodic review of your account with us, and to collect any amounts you owe us under this Platform Agreement, including but not limited to, “Know Your Customer” and “Anti-Money Laundering” information. **(b) Books and Records**. You agree to maintain all books and records required (i) by your processor, in accordance with the Card Network Rules, (ii) by law or regulatory bodies, and (iii) by Splitit, as requested by us in writing. **(c) Ongoing Review.** Splitit reserves the right to reassess your eligibility for use of any of the Splitit Services from time to time. This may include obtaining updated business information or financial records as reasonably required to evaluate your eligibility. **(d) Release and Exchange of Financial Information**. You hereby authorize us to release your financial information to your processor or Card Network or other financial/insurance institutions that reasonably request such information in connection with Splitit Transactions. We take no responsibility for how your processor or Card Network treats this information and you will not have any claim against us in connection with this exchange. **5.2 Protective Actions**. If Splitit determines, in our sole discretion, that (i) Merchant fails to comply with any of the provisions in Section 5.1, (ii) Merchant’s financial condition has deteriorated, (iii) your account is suspected of fraudulent activity of any kind, or (iv) your account receives or is likely to receive a high number of customer disputes, chargebacks, or similar complaints or claims (collectively “Risk Factors”), we may immediately take any or all of the following actions in connection with your account and use of the Splitit Services: **(a) Refusal of New Splitit Transactions**. We may temporarily or permanently cease to provide Splitit Services for future Splitit Transactions. Except with respect to suspected fraudulent transactions, which shall be determined in the sole discretion of Splitit, Splitit will continue to attempt to issue Authorizations and captures with respect to existing  Splitit Transactions, until payment of the final Instalment of each such Splitit Transaction. You hereby agree to pay all Splitit Fees during such a period. **(b) Setoff**. In the event that you default in payment of the Fees to us, we retain a right of setoff and may apply any of your deposit balances or amounts we owe you toward the payment of amounts you owe us under or in connection with this Platform Agreement. This setoff right does not limit any other rights or remedies we may have under applicable law. ## **6\. INTELLECTUAL PROPERTY** **6.1 Grant of Non-Exclusive License**. The Splitit Platform is protected by several patents and pending patent applications in the U.S. and several other jurisdictions. Subject to the terms of this Platform Agreement, Splitit hereby grants Merchant a limited, non-exclusive, non-transferable, revocable license to access the Splitit Platform and use the Splitit Services during the Term. Merchant acknowledges that Splitit may change, deprecate or republish APIs for the Splitit Services or feature(s) of the Splitit Services from time to time, and that it is Merchant’s responsibility to ensure that calls or requests Customer makes to the Services are compatible with then-current APIs for the Services. **6.2 License Restrictions**. Merchant will not, and will not permit any third party to, reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, object code or underlying structure, ideas, know-how or algorithms relevant to the Splitit Platform or Splitit Services; modify, translate, or create derivative works based on the Splitit Platform or Splitit Services; use the Splitit Platform or Splitit Services for timesharing or service bureau purposes or otherwise for the benefit of a third party; or remove any proprietary notices or labels. **6.3 Ownership**. Your use of the Splitit Platform does not grant you any right of ownership over any aspect of the Splitit Platform or over any of Splitit’s intellectual property rights, including but not limited to, patents, copyrights, trademarks, trade secrets, and other intellectual property rights (collectively “ **Intellectual Property Rights**”). We retain all ownership rights, title and interest throughout the world in and to all aspects of the Splitit Platform and the Intellectual Property Rights. You may not act in a manner that is inconsistent with, or that in any way challenges, our ownership of the Splitit Platform, our Intellectual Property Rights and associated registrations. **6.4 Use of Splitit Platform**. Your right to use the Splitit Platform is limited to the usage rights expressly granted by Splitit, and such right is specifically restricted to the Splitit Services. You may not share your use of the Splitit Platform with anyone or assist a third party in using the Splitit Platform in any way without prior written consent from Splitit. **6.5 Use of Merchant Promotional Materials**. You will make your logos, button links, text links and other graphic material available to us for display and use on our website, promotional materials, social media channels, and Australian Stock Exchange reporting materials (the “ **Promotional Materials**”). For the duration of the term of this Platform Agreement, you grant us a non-exclusive, worldwide, royalty-free license to use your intellectual property for the purpose of displaying the Promotional Materials on our website, promotional materials, social media channels, and Australian Stock Exchange reporting materials. ## 7\. CONFIDENTIALITY By entering into this Platform Agreement and using the Splitit Services, you acknowledge that we will provide you with certain proprietary and highly sensitive information. For the avoidance of doubt, this provision shall cover all services and information provided to you by Splitit or its affiliates in connection with the Splitit Services and ancillary services and shall supersede any previous confidentiality agreements. **7.1** “ **Confidential Information**” means any information disclosed, provided or made available directly or indirectly by us to you in any form, for the purpose of evaluating, executing, or providing administrative services with respect to a Splitit Transaction, including proprietary information, marketing techniques and know-how, data compilations, analyses, projections, techniques, sketches, drawings, works of authorship, models, inventions, know-how, processes, apparatuses, equipment, algorithms, software programs, software source documents and formulae related to the current, future and proposed products and services of Splitit. **7.2 Exclusions**. Confidential Information does not include any information that (i) was in the public domain prior to our disclosure to you; (ii) becomes publicly known independent of any action by you; (iii) you can prove was already rightfully in your possession at the time of disclosure; or (iv) was obtained by you from a third party without a breach of such third party’s obligations of confidentiality. **7.3 Intended Use**. You will not use any of our Confidential Information for any purpose other than for the purpose of your engagement with Splitit as governed by this Platform Agreement. **7.4 Required Disclosure**. In the event that you are required by law, governmental or regulatory authority, or by a court of competent jurisdiction to disclose any Confidential Information, you will inform us immediately so that we may seek an appropriate protective order or waive your compliance obligations with the provisions of this Platform Agreement, in our sole discretion. In cases where we seek a protective order, you will cooperate with us in order to obtain such order. If we fail to obtain a protective order or you do not receive from us a waiver of your confidentiality obligations, and yet you remain, in the opinion of your legal counsel, legally compelled to disclose Confidential Information, you may disclose only that Confidential Information you are legally required to disclose, provided that you use commercially reasonable efforts to obtain assurances that such Confidential Information will be kept confidential and that you notify us in writing of its scope and content. **7.5 Maintaining Confidentiality**. You shall protect the confidentiality of the Confidential Information, taking at least the degree of care that you take to protect your own confidential information. You shall only share Confidential Information with employees and representatives who are subject to confidentiality and non-disclosure requirements with respect to you and information you receive from third parties. **7.6 Return of Materials**. Upon our written request, you shall return or destroy all documents or media containing or constituting Confidential Information. **7.7 Remedies**. You agree that monetary damages may be an insufficient remedy for any breach or threatened breach of this Section 7, and therefore we may be entitled to specific performance and injunctive or other equitable relief in the case of any such breach or threatened breach, and you agree to waive any requirement for the security or posting of any bond in connection with such relief. Such remedy is not the exclusive remedy for breach of this Section 7.7, but is in addition to any other remedy available to us. ## **8\. REPRESENTATIONS AND WARRANTIES** **8.1 Merchant**. You represent and warrant that: **(a) Valid and Binding.**  Each Instalment Agreement constitutes legal, valid, and binding obligations of the relevant Customer in accordance with the terms of the Instalment Agreement, subject to equitable principles and the effect of insolvency laws generally. **(b) Lawful business**. You are engaged in a lawful business and are licensed to conduct your business under the laws of all jurisdictions in which you conduct business. You further represent and warrant that all your statements in this Platform Agreement and related documents are true, accurate, and complete in all material respects. **(c) Compliance with Applicable Laws**. You will comply with all applicable laws, rules and regulations applicable to you and your business, at your own expense, including, where applicable, RISAs, and all laws prohibiting or limiting the imposition of surcharges, late payment or other fees on Customers with respect to Splitit Transactions. You will comply with all material terms of Splitit policies, procedures, and guidelines governing the Splitit Services that have been provided to you in writing, and the terms of all Instalment Agreements. You may not use the Splitit Platform in any way that may cause us to be subject to investigation, prosecution, or legal action. Although Splitit has no obligation to monitor Merchant’s use of the Splitit Services, Splitit may do so and may prohibit any use of the Splitit Services it believes may be in violation of any rule, regulation, or Splitit policy. By acknowledging and agreed to the terms of this Platform Agreement and using the Splitit Services, you confirm that you are and will remain in full compliance with the operating regulations and rules issued by the Card Networks (the “ **Card Network** **Rules**”). For the avoidance of doubt, Splitit makes no representations or warranties with respect to Merchant’s compliance with Card Network rules. **(d) Reconciliation**. Merchants hereby represents and warrants that Merchant will reconcile all amounts settled from the Processor in respect of Splitit Transactions on at least a monthly basis in accordance with industry best practices. Merchant shall immediately report to Splitit if any such amounts have not settled. **(e) Accurate Information**. All information you provided in connection with the Application is true and correct in all material respects, and not misleading. You are providing information to Splitit in connection with utilizing the Splitit Services for your own purposes and not for anyone other than yourself or on behalf of another Person. You are solely responsible for all data, information, text, content, reports, and other materials that are uploaded, posted, delivered, or otherwise transmitted or stored by or on behalf of Merchant in connection with the Splitit Transactions or relating to the Splitit Services, including any information provided by a Customer or Processor. Merchant represents and warrants on its behalf and on behalf of its Processor that (a) it has all rights necessary to provide any information, data, or other materials that it provides hereunder, and to permit Splitit to use the same as contemplated hereunder, (b) all information provided to Splitit is accurate and complete in all respects, and (c) none of the information provided (i) will violate, misappropriate or infringe any rights of any third party, (ii) will defame or invade the rights of privacy or publicity any rights of any third party, or (iii) is designed for use in any illegal activity or promote illegal activities, including, without limitation, in a manner that might be malicious, illegal or harmful to any person or entity, or discriminatory based on race, sex, religion, nationality, disability, sexual orientation, or age. **(f) Splitit Transactions**. In connection with each Splitit Transaction, you represent that it is a _bona fide_ sale to an authorized cardholder by you for the amount shown on the invoice, which accurately describes the goods and services sold and constitutes the binding obligation of the cardholder, free from any demand, setoff or other adverse claim. You will fulfil all of your obligations to the cardholder and resolve any Customer dispute or complaint directly with the cardholder. **(g) Licenses, Registrations, Permits**. You represent and warrant that you have obtained all licenses, permits and registrations, if applicable, required to offer or enter into Instalment Agreements in each state where you will conduct business using the Splitit Services, and you covenant that you will maintain such licenses, permits and registrations in good standing, and comply with all applicable laws governing such licenses, permits, and registrations, at all times during the term of this Platform Agreement and the term of any Instalment Agreement you enter into using the Splitit Services. **8.2 Splitit**. We represent and warrant that the Splitit Services will substantially conform to all applicable laws and regulations and will be provided in a timely and commercially reasonable manner. EXCEPT FOR THE WARRANTIES EXPLICITLY SET FORTH HEREIN, THE SPLITIT SERVICES ARE PROVIDED “AS-IS”, AND SPLITIT HEREBY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, TO THE EXTENT IT IS LAWFULLY ABLE TO DO SO.  Splitit does not make any warranty as to the results that may be obtained from use of the Splitit Services. ## 9\. DATA SECURITY **9.1 Data Usage** **(a) By Merchant**. You agree to use all personal, financial, card or Splitit Transaction information obtained from a cardholder in connection with a Splitit Transaction (“ **Card Data**”) for the purpose of processing a Splitit Transaction with that cardholder. You are responsible for securing data in your possession or control, including through your website. Any disclosure, transfer or use of Card Data and other personal data in connection with the Splitit Services is governed by the Splitit Privacy Policy. **(b) By Splitit**. We will collect, hold, use and disclose personal information in accordance with the _Privacy Act 1988_(Cth) and we will collect, hold, use and disclose Card Data in accordance with all other applicable laws and regulations relating to privacy or data protection, as amended from time to time, and in compliance with the Payment Card Industry Data Security Standard (“ **PCI DSS**”) published by the Payment Card Industry Data Security Standards Council. **9.2 Data Security**. Each party agrees to maintain commercially reasonable administrative, technical, and physical procedures to protect Card Data and other non-public personal information about consumers from unauthorized access, accidental loss, modification, or breach. However, no security system is impenetrable and Splitit cannot guarantee that unauthorized parties will never be able to defeat our security measures. Merchant provides Card Data and other information to Splitit with the understanding that any security measures that Splitit provides may not be appropriate or adequate for Merchant’s business, and Merchant agrees to implement security controls that meet Merchant’s specific requirements. In Splitit’s sole discretion, Splitit may take any action, including suspension of Merchant’s company account, to maintain the integrity and security of the Splitit Services, Card Data, other non-public personal information, or otherwise to prevent harm to Merchant, its Customers, Splitit or Splitit’s systems, or others. Merchant waives any right to make a claim against us for losses that Merchant incurs that may result from such actions. **9.3 Accuracy and Retention of Data**. You are solely responsible for verifying the accuracy and completeness of all Card Data and any other information submitted to us by Merchant or Processor in connection with the Splitit Transactions. Merchant acknowledges and agrees that Splitit relies on the accuracy of information and any inaccurate information may lead to Merchant losses. Splitit has no obligation to confirm, validate, retain, report or otherwise provide any records of Splitit Transactions or Card Data collected by us. Splitit has no obligation to provide you with any Card Data. **9.4 Data Access**. You must provide us with remote access to Card Data and instruct your credit card payment processor(s) to provide us with unrestricted remote access to your credit card payment processing information relating to Splitit Transactions and the Splitit Services. You grant us the right to access your processor on your behalf and to employ other reasonable methods for obtaining the Card Data in connection with the Splitit Services. **9.5 Password Security**. We will issue you a password granting you and/or your representatives and agents access to a merchant portal providing a dashboard and information regarding your Splitit Transactions (the **“Merchant Portal”**). You hereby agree to restrict use and access to your password to your authorized representatives and agents on an as-needed basis and ensure that each representative or agent is aware of, and complies with, the terms of this Platform Agreement. You are solely responsible for maintaining adequate security and control of any passwords and credentials issued to you by Splitit. **9.6 Audit**. In a case where either party reasonably believe that a security breach or compromise of Card Data has occurred, the parties agree to (i) notify the non-breached party as soon as possible and (ii) reasonably cooperate with the other non-breached party, at its own expense, to conduct a security audit of systems and facilities. ## **10\. TERM AND TERMINATION** **10.1 Term**. This Platform Agreement becomes effective upon your first use of the Splitit Platform and remains in effect until terminated as provided below (the “ **Term**”). **10.2 By the Merchant**. You may terminate this Platform Agreement at any time upon ninety (90) days’ prior written notice; provided that, if you do not accept any changes made to this Platform Agreement, including to the Fee Schedule, you may terminate this Platform Agreement upon thirty (30) days’ prior written notice. **10.3 By Splitit**. Splitit may terminate this Platform Agreement upon any of the following: **(a)** Ninety (90) days’ prior written notice, for any reason. **(b)** Thirty (30) days’ prior written notice, if there is or may reasonably be an increase in Risk Factors associated with your Splitit account. **(c)** Immediately, (i) if you change the basic nature of your business without prior written notice to us, (ii) if you do not comply with the terms of, or if you do not perform any of your obligations under, this Platform Agreement or other agreements entered into with Splitit, (iii) if we are requested to do so by any of the Card Networks or any governmental authority, (iv) if you are not in compliance with any statute, law, rules and regulations applicable to you and your business, or (v) if you become, or are declared to be, subject to any bankruptcy, insolvency, liquidation, reorganisation, court schemes, moratoria, administration and other laws generally affecting the rights of creditors. **10.4 Effect of Termination**. Upon termination of this Platform Agreement, you shall remove all Splitit branding assets from your websites and we will stop facilitating new Splitit Transactions through the Splitit Platform. You will not receive a refund for any Fees paid on account of your use of the Splitit Services. We will continue to facilitate processing of any remaining Instalments under existing Splitit Transactions. **10.5 Survival**. The following sections of this Platform Agreement shall survive termination: 2.4 – 2.5, 3.1 – 3.11, 4, 5.2, 6.2, 6.3, 6.5, 7, 9.1, 9.2, 10.4, 11.1, 11.2, 11.5 – 11.9, 11.10. ## 11\. MISCELLANEOUS **11.1 Limitation of Liability**. The Splitit Platform, Splitit Services and all accompanying documentation are provided to you on an “as is” basis, without any express or implied warranties. Nothing in this Platform Agreement limits or excludes either our or your liability for (a) fraud or fraudulent misrepresentation, or (b) any liability that cannot be limited or excluded by applicable law. Notwithstanding anything herein to the contrary, each Party’s total liability to the other Party under this Platform Agreement shall not exceed the aggregate Fees received by Splitit on account of Merchant’s use of the Splitit Services during the thirty (30) days prior to the date of claim. **11.2 No Consequential Damages**. Under no circumstances will either party or any of our respective affiliates, vendors, officers, directors, employees, contractors or agents be liable toward the other party for any indirect, incidental, consequential or special damages, including, without limitation, damages for lost revenue, lost profits (real or anticipated), lost business, lost data, injury to business reputation or cost of procurement of substitute services, whether in contract or in tort, including negligence or otherwise, regardless of whether such party has been advised of the possibility of such damages. **11.3 Assignability**. This Platform Agreement may not be assigned by either party without the prior written consent of the other party, which consent shall not be unreasonably withheld, except that either party may assign its interests in this Platform Agreement to a parent corporation or affiliate now existing or hereinafter formed without prior written consent. In addition, Splitit may assign, transfer or novate this Platform Agreement (or any rights arising out of it) (i) to any successor corporation in the event Splitit is acquired, whether by asset purchase, stock purchase, merger or any other change of control transaction, or (ii) to any financier, lender, third party investor, third party purchaser of receivables or to any special purpose company established by any of the foregoing at any time in its absolute discretion.  If you change your name or place of jurisdiction, you shall immediately notify Splitit in writing. **11.4 Notices**. Any notices sent in relation to this Platform Agreement will be sent by email and effective upon delivery; if to you, to the email address you provided in connection with this Platform Agreement, and, if to us, to legal@splitit.com and to success@splitit.com. If you wish to terminate this Platform Agreement, notice must be sent by email to success@splitit.com. **11.5 Waiver**. If either party fails to enforce any provision of this Platform Agreement, or to exercise any right or remedy under this Platform Agreement or applicable law to which it is entitled, such failure will not be construed as a waiver of such party’s right to assert or rely upon any such provision, right or remedy. Any waiver by either party of a breach of any provision of this Platform Agreement must be in writing, and no such waiver will be construed as a waiver of any other and/or subsequent breach of such provision or a waiver of the provision itself. **11.6 Indemnification**. Except for losses resulting from Splitit’s misconduct, negligence, wilful violation of its applicable law, or reckless disregard for its duties under this Agreement, you agree to indemnify, defend and hold Splitit and its affiliates, subsidiaries, and their respective officers, directors, and employees harmless from any losses, damages, claims, liabilities and expenses, including reasonable attorney’s fees, related to your use of the Splitit Platform or Splitit Services, or any violation by you of this Platform Agreement, and related agreements entered into by you with Splitit, or any Customer, including any Instalment Agreement. **11.7 Governing Law; Arbitration**. This Agreement will be governed by the laws of New South Wales. Any dispute, controversy or claim arising out of or in connection with this Platform Agreement, including any question regarding its existence, validity or termination, shall be referred to and finally resolved by confidential, binding arbitration in accordance with the Australian Centre for International Commercial Arbitration Rules. The seat of arbitration will be Sydney, Australia. The language of the arbitration will be English. The number of arbitrators will be one. **11.8 Export Compliance**. Each party will comply with the export laws and regulations of the United States, European Union, and other applicable jurisdictions in providing and using the Splitit Services. **11.9 Relationship**. Nothing contained herein will in any way constitute any association, partnership, agency, employment, debtor/creditor relationship, or joint venture between the parties hereto, or be construed to evidence the intention of the parties to establish any such relationship. Neither party will have the authority to obligate or bind the other in any manner, and nothing herein contained will give rise or is intended to give rise to any rights of any kind to any third parties. **11.10 Severability**. If any provision of this Platform Agreement or portion thereof is held to be unenforceable, this determination will not affect the remainder of this Platform Agreement. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=nl3le4fcu0iw)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=9acveaj79mek)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # Shareholder Communications Policy **SPLITIT LTD** **(Company)** Purpose - The Company is committed to regularly communicating with shareholders in a timely, accessible and clear manner with respect to both procedural matters and major issues affecting the Company. To achieve this, the Company communicates with shareholders through a range of forums and publications. - The reference to **shareholder** in this Policy includes holders of shares, options and other securities of the Company. Electronic and Written communications - The Company aims to ensure that its Annual Report provides shareholders with a good understanding of the Company’s activities, performance and position for the previous financial year. - Shareholders can elect to receive an electronic copy or a hard copy of the Annual Report. The Company encourages shareholders to support its commitment to the environment by electing to receive the Annual Report and other communications electronically by registering their email address with the Company’s share registry. - As detailed in its Continuous Disclosure Policy, the Company is committed to complying with, and taking a proactive approach to, its continuous disclosure obligations. This extends to promptly providing all applicable securities regulators (including the ASX), with all necessary information and communications for publication on the ASX website. - The Company aims to provide shareholders with comprehensive and timely access to Company documents and releases through its website. The Company’s website will include: - copies of the Company’s articles of association, Board and committee charters and key corporate governance policies; - copies of all material information lodged with the ASX and any other applicable securities regulators and securities exchanges; - copies of all announcements, briefings and speeches made to the market, analysts or the media; - the last three years of press releases or announcements made by the Company; - the last three years of financial data for the Company; - the full text of notices of shareholder meetings and explanatory material; - the Company’s Annual Reports for the last three financial years; - the names, photographs and brief biographical information for each of the Company’s directors and senior executives; - webcasts (as and when available); - presentations provided to financial analysts; and - advanced notice of all open briefings to institutional investors and analysts, including presentation materials. - Other information and updates may be provided to shareholders via periodic mail-outs. In addition, the Company allows shareholders to elect to receive email communications where appropriate. Shareholder Participation - The Company encourages shareholders to submit questions or requests for information directly to the Company via the Company’s website at http://splitit.localsite. - The Company’s board of directors encourages all shareholders to attend and participate in the Company’s annual meeting of shareholders. - The Company’s external auditor will attend the Company’s annual meeting and will be available to answer questions from shareholders about the conduct of the audit and preparation of the auditor’s report. Share Registry and Contact Details - Shareholders who wish to update personal or contact information, elect to receive communications electronically, or wish to ask a question related to their shareholding in the Company should contact their broker or the Company’s share registry, Automic Pty Ltd. - The contact details are: email:               hello@automic.com.au telephone:        1300 288 664 post:                 Level 3, 50 Holt Street, Surry Hills NSW 2010 website:            https://automic.com.au/ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=rthc5imqow3i)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # Privacy Policy – UK and Europe _Last Updated: May 2024_ Splitit is committed to your right to privacy. Reference to “ **Splitit**” “ **we**,” “ **us**” or the “ **Company**” is a reference to Splitit UK Ltd, the **data controller**. We may also reference “Splitit” when we process your data through relevant affiliates or subsidiaries of the Splitit group of companies involved in the data processing activity, including the collection, holding, use and disclosure of Personal Data. Our representative in the EU is legal@splitit.com. This Privacy Policy (“ **Privacy Policy**”) governs the data collection, processing, use, transfer and disclosure made by us (or by anyone on behalf of us) in connection with processing activities where we act as a controller. **When we act as a controller**, the processing activities are related to: (i) visitors to our website: [https://www.splitit.com/](https://www.splitit.com/) (respectively, “ **Visitor**” and “ **Website**”); (ii) Splitit customers (e.g., merchants and retailers of e-commerce platforms that host or embed Splitit solution) and particularly, their representatives and employees, (respectively, “ **Merchant**” and “ **Splitit Solution**”); (iii) Merchants’ individual customers (“ **Consumer**”) when they consent to take surveys about our services and / or receive our newsletters; and (iv) providing payment services to merchants (collectively, “ **Services**”). **When we act as a processor**, we process Personal Data **on behalf of Merchants** with respect to transactions made by Consumers via the Splitit Solution. If you are a Consumer, we are a **data processor** of your Personal Data on behalf of the Merchant, who is the data controller. **PLEASE REFER TO MERCHANT’S PRIVACY POLICY FOR MORE INFORMATION ON THE PROCESSING OF YOUR DATA.** This Privacy Policy shall not be construed in any manner to derogate from the terms and conditions of the Website, or any other agreement or understanding between Splitit and the data subjects. **Except as required by local law, the English language version of this Privacy Policy shall be controlling in all respects and shall prevail in case of any inconsistencies or discrepancies with translated versions of this Privacy Policy (including any related documents).** **THE HIGHLIGHTS**: - **Our Website and Services are intended for Users over the age of 16, or equivalent minimum age for either providing consent to processing of Personal Data or using the Services in the relevant jurisdiction. Users under such age are not permitted to use the Services. In certain jurisdictions using the Services may be restricted for Users under the age of 18 or 21.** - **In certain jurisdictions, such as the European Union and United Kingdom, you will be entitled under applicable law to request: review; access; amendment, correction, erasure; restriction; or the portability of the Personal Data processed by us. Please note that in case you request to erase, or restrict the processing, or withdraw consent to the processing of your Personal Data, your use of the Services may be restricted or disabled.** - **We do not sell, trade, or rent Users’ Personal Data to third parties. We only share Personal Data with third parties in connection with the provision of the Services to our Users, or other limited circumstances as specified herein.** - **If you have any questions or requests regarding your Personal Data, or would otherwise like to contact us in connection with this Privacy Policy, please send us an email to:** [**privacy@splitit.com**](mailto:privacy@splitit.com) **.** **_1\. What is Personal Data, and what data is collected about me by Splitit?_** “ **Personal Data**” or “ **Personal Information”**(will be referred together as “ **Personal Data**”), means any information about an identifiable individual or that identifies or can be used to identify a natural person, directly or indirectly, including, but not limited to, first and last name, phone number, email address, online identifiers, IP address or other online identifiers, billing information, information concerning households, devices, etc. “ **Non-Personal Data**”, means non-identifiable aggregated or anonymized data that falls outside the definition of Personal Data. This data is not used to identify individuals. **_2\. For what purposes and based on which legal bases do we process your Personal Data?_** In general, we may use certain of the Personal Data mentioned herein for the scenarios described below. We may also process personal data in order to prevent potentially prohibited or illegal activities, fraud, misappropriation, infringements, identity thefts and any other misuse of the Services. We may also use the Personal Data mentioned herein to enforce the agreement applicable to you, as well as to protect the security or integrity of our databases and Services. Such processing is based on out legitimate interests or based on legal obligation. Below, we describe three scenarios where we may use Personal Data. In each scenario we separately describe (i) the type of user and type of data, (ii) the purposes for which we may collect, use or disclose this Personal Data, (iii) the legal basis under GDPR for collecting this information, if applicable, and (iv) the retention periods. **~~~~~~~~~~~~~~~~~~~** **Scenario A** **When acting as a controller of** **Merchants related data**, Personal Data is only used for the purposes specified below: **Type of user and type of Data** If you register as a Merchant to our Services, we will collect, use and disclose your information during the registration process. Such information includes, but is not limited to, your name, position, region, company, email address, contact details of your contact person, financial information (e.g., bank account details), etc. This information is collected from you directly when you engage with us (for instance when executing an agreement with us or signing a purchase order). We collect this information directly from you when you ask for a demo or when you engage with Splitit in a merchant agreement. | | | | --- | --- | | **Purposes for which we may collect, use or disclose this Personal Data** | **Legal basis under the GDPR** | | - To onboard you to our Services
- To identify authorized Users to access the Services | - To perform the contract to which the Merchant is a party.
- In order to take steps at the request of the Merchant prior to entering into a contract with a Consumer.
- Necessity of processing for the purposes of the legitimate interests of Splitit to ensure security the Services and confidentiality.
- To fulfil our legal obligations. | | - To provide you with the Services and to implement the Splitit Solution within your platform
- To communicate with you regarding customer service and support issues, and to respond to questions or comments and help resolve any problems. | - To perform the contract to which the Merchant is a party.
- Necessity of processing for the purposes of the legitimate interests of Splitit to provide effective Services and defend Splitit rights and interests when disputes arise. | | - To engage in marketing activities. | - Based on your consent when you subscribed to Splitit mailing lists.
- When we already have a contractual relationship with you, we may send commercial information based on our legitimate interests to send you information about similar products and services as those that you may have already contracted. | | - To resolve any disputes. | - Necessity of processing for the purposes of the legitimate interests of Splitit to defend Splitit rights and interests when disputes arise. | | - To fulfil our legal obligations (related to tax, commercial and administrative laws, etc.). | - To fulfil our legal obligations. | **~~~~~~~~~~~~~~~~~~~** **Scenario B** **When acting as a controller of Website and Service users’ data,** Personal Data is only used for the purposes specified below: **Type of user and type of Data** **Technical Information, Geolocation and Online Identifiers**: we collect technical information transmitted by your device when using the Website and/or Services, this information includes: type of the operating system and device used to access the Website and/or Services, date and time stamp, language preferences, approximate geolocation (i.e., country/state), IP address and your actions such as page views, search queries, etc. This information is collected automatically from you when you are using the Website and/or Services. In case you are using the Services as a Consumer, we may receive this information directly from the Merchant from whom you purchased a product using the Splitit Solution. **Contact Us Information**: if you contact us via the “Contact Us” feature available through the Website our otherwise, we may collect certain information regarding you, such as your full name, your email, your phone number, your position (e.g., Consumer or Merchant) your company (if applicable to you), country, the content of your message, etc. We collect this information directly from you when you contact us. **Newsletter Subscription**: if you voluntarily subscribe to our newsletter through the Website, you will be requested to provide us with your email address. You can unsubscribe at any time using the unsubscribe option within the body of the applicable email or by contacting us directly. We collect this information directly from you. | | | | --- | --- | | **Purposes for which we may collect, use or disclose this Personal Data** | **Legal basis under the GDPR** | | - To identify authorized users of the Services
- To allow you to access and use the Services | - Necessity of processing for the purposes of the legitimate interests of Splitit to manage and improve our website and Services.
- To perform the contract with you. | | For “Contact Us” information:
- To answer your queries and provide you with the services you requested from us.
- To resolve any disputes. | - Necessity of processing for the purposes of the legitimate interests of Splitit to manage and improve our Website and Services and defend our rights and resolve complaints.
- Your consent.
- To perform a contract we may have with you.
- To fulfil our legal obligations. | | - For newsletter subscriptions: We use this information solely to provide you with the content you have requested or that may be of interest to you. | - Necessity of processing for the purposes of the legitimate interests of Splitit to provide relevant information to individuals.
- Based on your consent when you subscribe to our mailing lists. | **~~~~~~~~~~~~~~~~~~~** **Scenario C** **When acting as a controller of Customers users’ data**, Personal Data is only used for the purposes specified below: Type of user and type of Data **Surveys and Service Review**: we may collect, use and disclose information when you participate and respond to surveys, provide your feedback to service review forms, rate or review the Services (“Survey”). For this purpose we will collect and use your email address. We also collect, use and disclose the information provided during the Surveys, such as your experience while using the Services, including your feedback on the process and customer support. Information regarding your age, range, gender, payment preferences, income, etc. We may link the information collected in the survey to information we already have about you, such as which type of payment card you used with the Splitit Solution, the Merchant you were purchasing from, Merchant location, your location, etc. We will link the above-mentioned information to the information we have on you (only to the extent we have) in order to analyze and get insights regarding transactions made with our Services and in order to improve our Services. This information may be requested by us directly or by our service providers who provide us with third party Survey services. Purposes for which we may collect, use or disclose this Personal Data and legal basis under the GDPR - Where we gain your consent, we will use your email to send you Surveys, and if applicable to send you any vouchers or coupons. - For the legitimate interests of Splitit to manage and improve our Website and Services, we will use this information in order to improve our Website and Services, understand if there are any difficulties or failures in the process, analyzing the Services, enhancing your experience, improving our customer service and your user experience. - For the legitimate interests of Splitit to manage and improve our website and improve our user experience, we also collect this information for our statistics and analytics purposes and make the Services customized for our Consumers. **_Retention periods_** Unless you instruct us otherwise and subject to applicable laws, we retain the information we collect for as long as needed to provide our services and to comply with our legal obligations, resolve disputes and enforce our agreements if applicable. We do not knowingly collect or use or disclose any Personal Data included in Special Categories of Personal Data (as defined in the GDPR). In the event you become aware that such data has been posted to the Website or collected by us, please inform us immediately so that we can take the appropriate measures. Lastly, when you provide us with your consent to carry out the corresponding activities above, note that you can withdraw your consent at any time by contacting [privacy@splitit.com](mailto:privacy@splitit.com) 3. **_Does Splitit use cookies?_** Yes, we use data files such as cookies, pixel tags, “Flash cookies” or other local storage files provided by your browser or associated applications. We use these technologies for different purposes such as in order to recognize you as a user; customize our Site and Services, content, and advertising; measure promotional effectiveness; help ensure that your account security is not compromised; mitigate risk and prevent fraud; and to promote trust and safety across our Website and Services. These cookies also help us track how visitors use the Site and our Services. Please read our [Cookie Policy](https://www.splitit.com/legals/splitit-cookies-policy/english/) for more information about the cookies we use. You can allow all cookies or manage them individually by adjusting your preferences. 4. **_Will Splitit Share My Personal Data With Others?_** WE DO NOT SELL OR RENT ANY OF YOUR PERSONAL DATA TO NON-AFFILIATED THIRD PARTIES FOR THEIR MARKETING PURPOSES **.** 4.1. Non-Personal Data, aggregate and statistical or otherwise anonymized data may be shared without limitation with third parties at our discretion. This information does not contain Personal Data and is used to develop content and Services for our Website Users and Merchants. 4.2. Regarding Merchant’s Personal Data **when we act as a controller**, we share Personal Data only under the following limited circumstances: 4.2.1 With our affiliates and connected companies (see Exhibit A), such as subsidiaries to provide you with information about products and services that we or they believe may be of interest to you where you have consented to such sharing; 4.2.2 Trusted third party providers that assist us with marketing services, survey services and platforms acting as data processors or where you have consented us to such sharing. 4.2.3 As necessary to help detect and prevent potentially illegal acts and fraud, and to guide decisions about the products, services and communications based on our legitimate interest in avoiding illegal and fraudulent actions. 4.3. Regarding Consumer’s Personal Data, **when we act as a processor**, please refer to the Merchant’s privacy policy. We may share data, acting under Merchants’ instructions and on their behalf, with credit card processors, acquirers, banking institutions, payment gateway, lenders, trusted third parties who assist us in operating the Services and conducting our business., etc. Please refer to the Merchant’s privacy policy for more information in this regard. 5. **_Will Splitit transfer my Personal Data internationally?_** Personal Data may be disclosed to an entity in the Splitit corporate group that is incorporated in Israel (“ **Splitit Israel**”). Personal Data will be held on servers located in the U.S. Therefore, your Personal Data may be stored or processed in countries in which the privacy laws provide for a different level of protection for your Personal Data than that which exists in your country of residence. The European Commission and UK authorities have decided that the State of Israel ensures an adequate level of privacy and data protection, therefore, in accordance with the GDPR, the transfer of Personal Data from the EU/UK to Israel is safeguarded due to an adequacy decision of the European Commission and does not require any specific authorization. Our servers are located in the U.S. within providers adhered to the [data privacy framework](https://www.dataprivacyframework.gov/s/) and, as a result, the transfer of Personal Data from the EU/UK to U.S. is also safeguarded due to an adequacy decision of the European Commission and does not require any specific authorization. Any other transfer of Personal Data originating from the EU/UK to a third country (other than ones above to Israel and the U.S.) shall be made in accordance with applicable law, including by providing adequate protections, or otherwise implementing appropriate safeguards to ensure the protection of our Users’ rights. For instance, the Standard Contractual Clauses of the European Commission may be executed. You can obtain a copy of such contract or evidence that they have been executed or more information about our practices and policies with respect to our use of service providers and the jurisdictions in which they are located, by the contact information provided below. 6. **_Will I receive promotional materials from Splitit?_** If you (e.g., Website user) provided us with your consent, we may send information on new products, features, activities, services and periodic announcements or newsletters. You may opt-out any time from such communications by either: (i) using an “unsubscribe” feature available within the message; or (ii) sending us an email to: [privacy@splitit.com](mailto:privacy@splitit.com) asking to opt-out. 7. **_Persons under 16_** Our Website is a general audience Website, which is not directed to persons under 16 years old. If a parent or guardian becomes aware that his/her child has provided us with Personal Data without their consent, he/she should contact us immediately. We do not knowingly collect or solicit Personal Data from people under 16 years old. If we become aware that a person under 16 years old has provided us with Personal Data, we will delete such data from our databases. Please note, in certain jurisdictions you may be banned from using the Splitit Solution unless you are 18 or 21 years old. 8. **_Users rights with respect to Personal Data_** For those processing activities where we act as a controller and subject to applicable law requirements, we will provide individuals with the opportunity to exercise their rights regarding their Personal Data. Individuals’ rights under data protection and privacy laws, including: - the right to **confirm whether or not we hold your Personal Data**. - the right to **access your** Personal Data and being provided with a **copy** of the Personal Data that we hold, - the right to **rectification** of your Personal Data. the right to request access to the Personal Data that we hold about you and correct it if it is inaccurate, incomplete or out of date. If we do not give you access to your Personal Data or we do not agree to your request for correction, we will provide you with reasons why. If you are not satisfied with our decision or reasons, please see Section 11 below. If we agree to grant you access or to correct your Personal Data, we will do this as soon as reasonably practicable following receipt of your request and in any event within the deadline established in applicable laws. - the right to **erasure** of your Personal Data. - the right to **restrict** the use and disclosure of your Personal Data. - the right to **object** to collection, use or disclosure of your Personal Data. - the right to **data portability**(i.e. to receive the personal data concerning you, which you have provided to us, in a structured, commonly used and machine-readable format and to transmit those data to another controller). - the right to **complain to a supervisory authority** (in the event that you are a European Economic Area (“ **EEA**”) or UK resident), particularly, you can lodge a complaint to the Supervisory Authorities of the Member State of your habitual residence, place of work or of an alleged infringement of data protection laws. Also, a link to the address of each authority can be found [here](https://edpb.europa.eu/about-edpb/about-edpb/members_en); and - the right to **withdraw consent**. Please review our [User Rights Policy](https://www.splitit.com/legals/splitit-privacy-policy/user-rights-policy/) regarding your rights under applicable law. You may exercise any or all of your above rights in relation to your Personal Data (including to request access to and/or correct your Personal Data held by us) by filling out the [Data Subject Request](https://www.splitit.com/legals/splitit-privacy-policy/dsr-form/) (“ **DSR**”) and send it to our privacy team at: [privacy@splitit.com](mailto:privacy@splitit.com) We may request additional information from you when you contact us with a DSR in order to: (i) verify your identity; (ii) determine the applicable laws apply to you; (iii) and locate your data. It may take time to process requests in a way that is consistent with applicable privacy law (e.g. under the GDPR, generally within one month). 9. **_How does Splitit protect my data?_** Splitit implements measures to reduce the risks of loss of information and unauthorized access or use of information. We adopt appropriate and generally accepted data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your Personal Data. In particular, your payment information is secured in accordance with the PCI-DSS standard. However, these measures are unable to provide absolute information security. Therefore, although efforts are made to secure your personal information, it is not guaranteed and you cannot reasonably expect that the Service and its related databases will be immune from any wrongdoings, malfunctions, unauthorized interceptions or access, or other kinds of abuse and misuse. 10. **_Applicable Laws_** The provisions included in this Privacy Policy relating to matters that may be regulated under the GDPR and therefore will apply only to the processing of Personal Data (or Personal Information) which is subject to the GDPR in accordance with the applicability provisions contained therein. Additionally, collection and processing of certain Personal Data by Splitit may be regulated under Federal laws or other applicable laws. 11. **_Questions or concerns or rights requests regarding privacy_** If you have any questions or concerns or want to exercise your rights regarding privacy issues, please send us a detailed message to [privacy@splitit.com](mailto:privacy@splitit.com) and we will make every effort to resolve your concerns without delay. Splitit may, at any time and from time to time, modify this Privacy Policy. Modifications to this Privacy Policy will be posted on the Website, you will be informed about them and shall be effective as of the date in which they are posted on the Website. If you require a copy of this Privacy Policy in a different format, such as a PDF or hard copy, please contact us at [privacy@splitit.com](mailto:privacy@splitit.com) and we will take reasonable steps to comply with your request. **YOUR RIGHTS REGARDING YOUR PERSONAL INFORMATION** You may exercise any or all of your above rights in relation to your Personal Information by filling out the [DSR Form](https://www.splitit.com/wp-content/uploads/2022/06/Data-subject-request-form-Jan-2021.docx.pdf) and send it to our privacy team at: [privacy@splitit.com](mailto:privacy@splitit.com). **CONTACT US** If you have any questions about this Privacy Policy, you may contact us as follows: - By sending us email at: [privacy@splitit.com](mailto:privacy@splitit.com). - By regular mail at: Splitit USA Inc. 211 Perimeter Center Parkway, Suite 240, Atlanta, GA 30346. **Exhibit A** Splitit USA Inc. Splitit Ltd. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=g74ixum80gdt)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # PLATFORM AGREEMENT _Last Updated: August 2023_ PLEASE READ THIS PLATFORM AGREEMENT CAREFULLY. BY ACCESSING THE SPLITIT WEBSITE, USING THE SPLITIT SERVICES OR THE SPLITIT PLATFORM, YOU AGREE TO BE BOUND BY THE (1) PLATFORM AGREEMENT, (2) [SPLITIT E-SIGN DISCLOSURE AND CONSENT](http://splitit.localsite/legals/e-sign-disclosure-agreement/), (3) [SPLITIT PRIVACY POLICY AND PRIVACY NOTICE](http://splitit.localsite/legals/splitit-privacy-policy/english/) AND (4) [DATA PROTECTION ADDENDUM](http://splitit.localsite/legals/data-protection-addendum/). YOU SHOULD RETAIN A COPY OF THIS PLATFORM AGREEMENT FOR YOUR RECORDS. ## 1\. THE PLATFORM AGREEMENT 1.1 This Platform Agreement (“ **Platform Agreement**”) is a contract between the merchant identified in the Merchant Application (“ **you**”, “ **yours**”, “ **your**” or “ **Merchant**”) and Splitit USA Inc. (“ **we**,” “ **us**,” “ **our**” or “ **Splitit**”) (together, “ **The Parties**”). 1.2 This Platform Agreement governs your engagement with Splitit (the **“Splitit Services”**), whereby we provide you with a proprietary technology solution for installment payment processing (“ **Splitit Platform**”). The Splitit Platform allows you to enter into a retail installment sales contract (“ **Installment Agreement**”) with your shoppers (each a **“Customer”**), under which you sell Customers goods and services, and the Customer agrees to pay you for such goods and services by installment payments (“ **Installments**”) which are processed through your card processor (each such transaction, a “ **Splitit Transaction**”). 1.3 Splitit may make changes to this Platform Agreement from time to time, provided, however, that such changes will not impose additional obligations on you unless you agree to such changes. Splitit will inform you via email and/or your merchant portal of any material changes to the Platform Agreement. Changes to the Platform Agreement can be found on our website at [www.splitit.com](http://splitit.localsite/) which Merchant should review from time to time. BY USING THE SPLITIT SERVICES AND SPLITIT PLATFORM AFTER ANY SUCH CHANGES HAVE BEEN POSTED TO THE SPLITIT WEBSITE YOU AGREE TO ACCEPT ANY CHANGES TO THIS PLATFORM AGREEMENT INCLUDING ANY ADDITIONAL OBLIGATIONS THEREIN. ## 2\. SERVICES WE PROVIDE TO YOU **2.1 Installment Processing** (a) **Splitit Platform**. The Splitit Platform allows you to obtain an authorization for the total remaining outstanding balance of the Splitit Transaction (“ **Authorization**”) using the available credit or available balance on your Customer’s payments card. The payments card must be a type that utilises a card network supported by the Splitit Platform (the “ **Card Networks**”). The Splitit Platform periodically issues new Authorizations on your behalf for the remaining balance, less each paid Installment. You may also choose to authorize Splitit Transactions without issuing Authorizations and instead collect payments by charging the payment card for the amount of the Installment on or around each Installment due date. (b) **Timing of Authorizations**. The Splitit Platform will begin obtaining Authorizations on Customer’s cards on your behalf at the time of purchase, unless otherwise agreed with Splitit. Unless you notify us otherwise, we will capture the first Installment within three days of purchase. Merchant represents and warrants that all goods and services purchased by your Customer using a Splitit Transaction will have been shipped, delivered, or provided within this time frame. If you have reason to believe this may not be the case, you shall notify the Splitit customer success team immediately, via email to [success@splitit.com](mailto:success@splitit.com). 2.2 **Customer Journey**. Splitit shall provide you with customer journey marketing assets, which may change from time to time, in connection with the Splitit Services and provide guidance on the best placement of these assets for maximum impact and conversion with your shoppers. Merchant hereby agrees to reasonably comply with the placement of the customer journey assets and guidelines. We may agree with you from time to time on additional promotional activities, through your website or otherwise.  In no circumstance should any marketing assets suggest that Splitit is entering into, or responsible for, the Installment Agreement with the Customer and it should be made clear to the Customer that Splitit is only operating the Splitit platform to facilitate payment by way of installment. 2.3 **Customer Consent**. For each Splitit Transaction, you must ensure that your Customer accepts and approves all Customer Forms (as defined below) related to the Splitit Services including, the E-Sign Act Disclosure, the [Consumer Terms of Service](http://splitit.localsite/legals/splitit-shopper-terms-conditions/united-states/), the Truth in Lending Act Disclosure, and the payment authorization (“ **Customer Forms**”). By accepting and approving the Customer Forms, the Customer consents to the Authorization and capture of the full Splitit Transaction amount, the number and schedule of Installments, the amount captured in each Installment, and any other terms set forth therein. You will have no right to amend, vary or supplement the terms of the Customer Forms, without prior written consent from Splitit, at any time, as those terms apply to each of your customers in respect of each Splitit Transaction and, in addition to your own standard trading terms for the supply of goods or services, the Customer Forms shall be the only terms between you and the customer in respect of each Splitit Transaction. 2.4 **Customer Forms**. You understand that the Consumer Terms of Service and other Customer Forms are contracts entered into between the Merchant and the Customer.  Merchant is solely responsible for fulfilling any and all obligations of such Customer Forms, and agrees to comply with all applicable laws governing such Customer Forms and the Splitit Transactions to which they pertain. Splitit is not a party to the Customer Forms and disclaims all responsibility for Merchant’s compliance with the Customer Forms. 2.5 **Splitit Platform Service and Maintenance**. You will promptly notify us of, and assist us in diagnosing, any failure or other impediment to your use of the Splitit Platform, whereupon we will use commercially reasonable efforts to repair the failure or otherwise arrange for the necessary maintenance. ## 3\. FEES AND PAYMENT TERMS 3.1 **Customer Fees and Expenses**. Each party agrees that it will never charge Customers any time-price differential, interest rate on outstanding transaction amounts, fees (including, but not limited to, service fees, late fees, credit card surcharges and convenience fees), or penalties in connection with Splitit Transactions. 3.2 **Fee Schedule**. The Merchant agrees to pay Splitit the fees set forth in the Application or as otherwise agreed with Splitit (the “ **Fee Schedule**”) in connection with each Splitit Transaction, which is incorporated by reference into this Platform Agreement (the “ **Fees**”). Value added tax or any similar taxes required by law in connection with the Splitit Services shall be in addition to the Fees agreed in the Fee Schedule. Fees shall be due on the date each Splitit Transaction is created and are payable in accordance with the terms of this Platform Agreement. We reserve the right to modify the Fee Schedule at any time by providing thirty (30) days prior written notice. 3.3 **Payment Terms**. Merchant hereby authorizes Splitit or its service provider to make regularly scheduled charges from Merchant’s checking account or other accepted payment method identified by the Merchant (“ **Merchant Account**”) for all Fees and other amounts owed to Splitit under this Platform Agreement. Fees will be payable monthly in arrears, subject to rights of setoff contained herein, including in connection with chargebacks and refunds. Merchant understands that the payment may be charged to the Merchant Account as soon as the transaction is initiated by Splitit on each payment date. Merchant understands and agrees that Splitit may not provide prior notice of each transaction unless required by law. In the event any Merchant Account payment charge or transaction is rejected for insufficient funds (NSF) or any other reason, Merchant understands that Splitit may, at its discretion, retry the transaction, unless prohibited by law.  Merchant agrees that Splitit may charge a $30.00 fee each time a transaction or attempt is returned unpaid, and authorizes Splitit to collect that fee by initiating an additional charge to the Merchant Account for the amount of the fee, on or after the date the fee is incurred. Merchant understands that this authorization will remain in effect until Merchant cancels it in writing, and Merchant agrees to notify Splitit in writing of any changes in the Merchant Account information or termination of this authorization at least 15 days prior to the next payment due date. If you terminate this authorization, Splitit may require you to authorize payments using another Merchant Account. If any payment date falls on a weekend or holiday, Merchant understands and agrees that payments may be executed on the next business day. 3.4 **Non-Payment of Fees**. Any Fees, or other amounts you owe us under this Platform Agreement, which are not paid within thirty (30) days may be subject to interest and late fees, starting as of the date the payment of each such amount was due, until all such Fees are paid in full. Notwithstanding the foregoing, we reserve the right, in our sole discretion, to suspend or cancel your service if any Fees remain unpaid for more than five (5) business days after the payment due date. ## 4\. REFUNDS; CHARGEBACKS; AND FRAUD 4.1 **Refunds**. If you agree to issue any Customer a refund, you must notify us immediately and Splitit will cancel the remaining Installments under the Splitit Transaction and reasonably cooperate with you and your processor, gateway, and acquirer (collectively, “ **Processor**”) to facilitate such refund. If you notify us of a partial refund, we will update the Authorization in the Splitit Platform accordingly.  Notwithstanding anything herein to the contrary, Merchant hereby agrees that Merchant shall be liable to Splitit for any refund initiated by Merchant’s Customers, for any reason, and Merchant shall indemnify and hold Splitit harmless for any damage, loss, cost or liability relating to, or resulting from, any such refund. 4.2 **Chargebacks**. Although the Splitit Services can be used to obtain Authorizations for the full amount of the Splitit Transaction, this does not guarantee actual payment, and the full Splitit Transaction, or any single Installment, may be returned or charged back to the Merchant, like any other payment card transaction. In the event of a chargeback, Merchant hereby agrees to promptly resolve the chargeback with Merchant’s Processor and notify Splitit within seven (7) days of (i) any chargebacks and (ii) when any charegeback is resolved, including the resolution of such chargeback. Notification may be via the merchant portal, files or webhooks implemented during implementation. If we receive notice of any such chargeback, we will notify you accordingly and reserve the right to terminate the Authorization and the Splitit Transaction. Notwithstanding anything herein to the contrary, you shall be liable to us for any chargeback initiated by your Customers, for any reason, and you shall indemnify and hold Splitit harmless for any damage, loss, cost or liability relating to, or resulting from, any such chargeback. 4.3 **Effect of Fraud, Disputes, and Chargebacks**. In the event of any fraud, dispute or chargeback Splitit may be unable to maintain Authorizations on the affected Splitit Transactions during the chargeback processing or the Processor or card issuer may cancel or terminate an authorization or block a capture against an Authorization. In each such case, Splitit cannot guarantee processing of the remaining Installments and Splitit takes no liability for Customer payments in connection with fraud, dispute or chargebacks. 4.4 You shall be responsible for all Fees incurred from the date of the Splitit Transaction, which are non-refundable, and shall be considered fully earned by Splitit on the date of the Splitit Transaction, irrespective of whether such transactions are identified as a refund, chargeback, fraudulent or any other type of transaction. 4.5 **Anti-Fraud**. Merchant represents that it has employed risk monitoring and fraud detection practices that a reasonable person would employ in e-commerce. Merchant hereby agrees that Merchant bears sole responsibility for any fraudulent activities associated with Splitit Transactions and, for the avoidance of doubt, Splitit has no liability for any such fraudulent activities. Notwithstanding the foregoing, we may, at our discretion, employ fraud detection technologies or other preventive tools in connection with the Splitit Services, which are designed to provide us with increased transaction screening and fraud detection capabilities. 4.6 **Outstanding Amounts**. Except as otherwise provided herein, in any event in which you are unable to collect an amount owed to you by a Customer, which is the direct result of a failure by the Splitit Platform to issue an Authorization, to issue a new Authorization, or to capture an Installment against an existing Authorization, we will be responsible for paying you the outstanding Authorization amount; _provided however_, that (i) each of Merchant and Processor has fully integrated the Splitit Platform in accordance with all written instructions and developers tools provided by Splitit, as may be updated from time to time,(ii) goods and services have been delivered or rendered as agreed between Merchant and Customer, (iii) transaction and shopper is not determined to be fraudulent, in Splitit’s sole discretion, (iv) Merchant, sub-merchant or affiliates are not determined to be fraudulent, in Splitit’s sole discretion, (v) Merchant has reconciled settled amounts from the Processor in accordance with industry best practices and (vi) Merchant has notified Splitit of any failure event within 30 days of the beginning of such failure event. ## 5\. FINANCIAL AND OTHER INFORMATION; PROTECTIVE ACTIONS **5.1 Financial and Other Information** (a) **Financial Records**. You shall immediately provide Splitit with all financial information reasonably requested by or on behalf of Splitit necessary to process your Application, in connection with a periodic review of your account with us, and to collect any amounts you owe us under this Platform Agreement, including but not limited to, “Know Your Customer” and “Anti-Money Laundering” information. (b) **Books and Records**. You agree to maintain all books and records required (i) by your Processor, in accordance with the Card Network Rules, (ii) by law or regulatory bodies, and (iii) by Splitit, as requested by us in writing. (c) **Ongoing Review.** Splitit reserves the right to reassess your eligibility for use of any of the Splitit Services from time to time. This may include obtaining updated business information or financial records as reasonably required to evaluate your eligibility. (d) **Release and Exchange of Financial Information**. You hereby authorize us to release your financial information to your Processor or Card Network or other financial/insurance institutions that reasonably request such information in connection with Splitit Transactions. We take no responsibility for how your Processor or Card Network treats this information and you will not have any claim against us in connection with this exchange. 5.2 **Protective Actions**. If Splitit determines, in our sole discretion, that (i) Merchant fails to comply with any of the provisions in Section 5.1, (ii) Merchant’s financial condition has deteriorated, (iii) your account is suspected of fraudulent activity of any kind, or (iv) your account receives or is likely to receive a high number of customer disputes, chargebacks, or similar complaints or claims (collectively “ **Risk Factors**”), we may immediately take any or all of the following actions in connection with your account and use of the Splitit Services: (a) **Refusal of New Splitit Transactions**. We may temporarily or permanently cease to provide Splitit Services for future Splitit Transactions. Except with respect to suspected fraudulent transactions, which shall be determined in the sole discretion of Splitit, Splitit will continue to attempt to issue Authorizations and captures with respect to existing  Splitit Transactions, until payment of the final Installment of each such Splitit Transaction. You hereby agree to pay all Splitit Fees during such a period. (b) **Setoff**. In the event that you default in payment of the Fees to us, we retain a right of setoff and may apply any of your deposit balances or amounts we owe you toward the payment of amounts you owe us under this Platform Agreement. This setoff right does not limit any other rights or remedies we may have under applicable law. ## 6\. INTELLECTUAL PROPERTY 6.1 **Grant of Non-Exclusive License**. The Splitit Platform is protected by several patents and pending patent applications in the U.S. and several other jurisdictions. Subject to the terms of this Platform Agreement, Splitit hereby grants Merchant a limited, non-exclusive, non-transferable, revocable license to access the Splitit Platform and use the Splitit Services during the Term. Merchant acknowledges that Splitit may change, deprecate or republish APIs for the Splitit Services or feature(s) of the Splitit Services from time to time, and that it is Merchant’s responsibility to ensure that calls or requests Customer makes to the Services are compatible with then-current APIs for the Services. 6.2 **License Restrictions**. Merchant will not, and will not permit any third party to, reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, object code or underlying structure, ideas, know-how or algorithms relevant to the Splitit Platform or Splitit Services; modify, translate, or create derivative works based on the Splitit Platform or Splitit Services; use the Splitit Platform or Splitit Services for timesharing or service bureau purposes or otherwise for the benefit of a third party; or remove any proprietary notices or labels. 6.3 **Ownership**. Your use of the Splitit Platform does not grant you any right of ownership over any aspect of the Splitit Platform or over any of Splitit’s intellectual property rights, including but not limited to, patents, copyrights, trademarks, trade secrets, and other intellectual property rights (collectively “ **Intellectual Property Rights**“). We retain all ownership rights, title and interest throughout the world in and to all aspects of the Splitit Platform and the Intellectual Property Rights. You may not act in a manner that is inconsistent with, or that in any way challenges, our ownership of the Splitit Platform, our Intellectual Property Rights and associated registrations. 6.4 **Use of Splitit Platform**. Your right to use the Splitit Platform is limited to the usage rights expressly granted by Splitit, and such right is specifically restricted to the Splitit Services. You may not share your use of the Splitit Platform with anyone or assist a third party in using the Splitit Platform in any way without prior written consent from Splitit. 6.5 **Use of Merchant Promotional Materials**. You will make your logos, button links, text links and other graphic material available to us for display and use on our website, promotional materials, social media channels, and Australian Stock Exchange reporting materials (the “ **Promotional Materials**”). For the duration of the term of this Platform Agreement, you grant us a non-exclusive, worldwide, royalty-free license to use your intellectual property for the purpose of displaying the Promotional Materials on our website, promotional materials, social media channels, and Australian Stock Exchange reporting materials. ## 7\. CONFIDENTIALITY By entering into this Platform Agreement and using the Splitit Services, you acknowledge that we will provide you with certain proprietary and highly sensitive information. For the avoidance of doubt, this provision shall cover all services and information provided to you by Splitit or its affiliates in connection with the Splitit Services and ancillary services and shall supersede any previous confidentiality agreements. 7.1 “ **Confidential Information**” means any information disclosed, provided or made available directly or indirectly by us to you in any form, for the purpose of evaluating, executing, or providing administrative services with respect to a Splitit Transaction, including proprietary information, marketing techniques and know-how, data compilations, analyses, projections, techniques, sketches, drawings, works of authorship, models, inventions, know-how, processes, apparatuses, equipment, algorithms, software programs, software source documents and formulae related to the current, future and proposed products and services of Splitit. 7.2 **Exclusions**. Confidential Information does not include any information that (i) was in the public domain prior to our disclosure to you; (ii) becomes publicly known independent of any action by you; (iii) you can prove was already rightfully in your possession at the time of disclosure; or (iv) was obtained by you from a third party without a breach of such third party’s obligations of confidentiality. 7.3 **Intended Use**. You will not use any of our Confidential Information for any purpose other than for the purpose of your engagement with Splitit as governed by this Platform Agreement. 7.4 **Required Disclosure**. In the event that you are required by law, governmental or regulatory authority, or by a court of competent jurisdiction to disclose any Confidential Information, you will inform us immediately so that we may seek an appropriate protective order or waive your compliance obligations with the provisions of this Platform Agreement, in our sole discretion. In cases where we seek a protective order, you will cooperate with us in order to obtain such order. If we fail to obtain a protective order or you do not receive from us a waiver of your confidentiality obligations, and yet you remain, in the opinion of your legal counsel, legally compelled to disclose Confidential Information, you may disclose only that Confidential Information you are legally required to disclose, provided that you use commercially reasonable efforts to obtain assurances that such Confidential Information will be kept confidential and that you notify us in writing of its scope and content. 7.5 **Maintaining Confidentiality**. You shall protect the confidentiality of the Confidential Information, taking at least the degree of care that you take to protect your own confidential information. You shall only share Confidential Information with employees and representatives who are subject to confidentiality and non-disclosure requirements with respect to you and information you receive from third parties. 7.6 **Return of Materials**. Upon our written request, you shall return or destroy all documents or media containing or constituting Confidential Information. 7.7 **Remedies**. You agree that monetary damages may be an insufficient remedy for any breach or threatened breach of this section 7, and therefore we may be entitled to specific performance and injunctive or other equitable relief in the case of any such breach or threatened breach, and you agree to waive any requirement for the security or posting of any bond in connection with such relief. Such remedy is not the exclusive remedy for breach of this Section 7.7, but is in addition to any other remedy available to us. ## 8\. REPRESENTATIONS AND WARRANTIES 8.1 **Merchant**. You represent and warrant that: (a) **Valid and Binding.**  Each Installment Agreement constitutes legal, valid, and binding obligations of the relevant Customer in accordance with the terms of the Installment Agreement, subject to equitable principles and the effect of insolvency laws generally. (b) **Lawful business**. You are engaged in a lawful business and are licensed to conduct your business under the laws of all jurisdictions in which you conduct business. You further represent and warrant that all your statements in this Platform Agreement and related documents are true, accurate, and complete. (c) **Compliance with Applicable Laws**. You will comply with all applicable laws, rules and regulations applicable to you and your business, at your own expense, including, where applicable, RISAs, and all laws prohibiting or limiting the imposition of surcharges, late payment or other fees on Customers with respect to Splitit Transactions. You will comply with all material terms of Splitit policies, procedures, and guidelines governing the Splitit Services that have been provided to you in writing, and the terms of all Installment Agreements. You may not use the Splitit Platform in any way that may cause us to be subject to investigation, prosecution, or legal action. Although Splitit has no obligation to monitor Merchant’s use of the Splitit Services, Splitit may do so and may prohibit any use of the Splitit Services it believes may be in violation of any rule, regulation, or Splitit policy. By acknowledging and agreed to the terms of this Platform Agreement and using the Splitit Services, you confirm that you are and will remain in full compliance with the operating regulations and rules issued by the Card Networks (the “ **Card Network** **Rules**”). For the avoidance of doubt, Splitit makes no representations or warranties with respect to Merchant’s compliance with Card Network rules. (d) **Reconciliation**. Merchants hereby represents and warrants that Merchant will reconcile all amounts settled from the Processor in respect of Splitit Transactions on at least a monthly basis in accordance with industry best practices. Merchant shall immediately report to Splitit if any such amounts have not settled. (e) **Accurate Information**. All information you provided in connection with the Application is true, correct, and not misleading. You are providing information to Splitit in connection with utilizing the Splitit Services for your own purposes and not for anyone other than yourself or on behalf of another Person. You are solely responsible for all data, information, text, content, reports, and other materials that are uploaded, posted, delivered, or otherwise transmitted or stored by or on behalf of Merchant in connection with the Splitit Transactions or relating to the Splitit Services, including any information provided by a Customer or Processor.  Merchant represents and warrants on its behalf and on behalf of its Processor that (a) it has all rights necessary to provide any information, data, or other materials that it provides hereunder, and to permit Splitit to use the same as contemplated hereunder, (b) all information provided to Splitit is accurate and complete in all respects, and (c) none of the information provided (i) will violate, misappropriate or infringe any rights of any third party, (ii) will defame or invade the rights of privacy or publicity any rights of any third party, or (iii) is designed for use in any illegal activity or promote illegal activities, including, without limitation, in a manner that might be malicious, illegal or harmful to any person or entity, or discriminatory based on race, sex, religion, nationality, disability, sexual orientation, or age. (f) **Splitit Transactions**. In connection with each Splitit Transaction, you represent that it is a _bona fide_ sale to an authorized cardholder by you for the amount shown on the invoice, which accurately describes the goods and services sold and constitutes the binding obligation of the cardholder, free from any demand, setoff or other adverse claim. You will fulfill all of your obligations to the cardholder and resolve any Customer dispute or complaint directly with the cardholder. (g) **Taxes**. It is your responsibility to determine what, if any, taxes apply in connection with your use of the Splitit Services and Splitit Platform, including to collect, report and remit the correct tax to the appropriate tax authorities. (h) **Licenses, Registrations, Permits**. You represent and warrant that you have obtained all licenses, permits and registrations, if applicable, required to offer or enter into Installment Agreements in each state where you will conduct business using the Splitit Services, and you covenant that you will maintain such licenses, permits and registrations in good standing, and comply with all applicable laws governing such licenses, permits, and registrations, at all times during the term of this Platform Agreement and the term of any Installment Agreement you enter into using the Splitit Services. 8.2 **Splitit**. We represent and warrant that the Splitit Services will substantially conform to all applicable laws and regulations and will be provided in a timely and commercially reasonable manner. EXCEPT FOR THE WARRANTIES EXPLICITLY SET FORTH HEREIN, THE SPLITIT SERVICES ARE PROVIDED “AS-IS”, AND SPLITIT HEREBY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED.  Splitit does not make any warranty as to the results that may be obtained from use of the Splitit Services. ## 9\. DATA SECURITY 9.1 **Data Usage** (a) **By Merchant**. You agree to use all personal, financial, card or Splitit Transaction information obtained from a cardholder in connection with a Splitit Transaction (“ **Card Data**”) for the purpose of processing a Splitit Transaction with that cardholder. You are responsible for securing data in your possession or control, including through your website. Any disclosure, transfer or use of Card Data and other personal data in connection with the Splitit Services is governed by the [Data Protection Addendum](http://splitit.localsite/legals/data-protection-addendum/) (the “ **DPA**”). (b) **By Splitit**. We will collect, retain, use and share information and Card Data in accordance with the DPA, the Data Protection Act 2018, and all ancillary rules and regulations, the GDPR (as defined in the DPA), and all other applicable laws and regulations relating to data protection, as amended from time to time, and in compliance with the PCI DSS. 9.2 **Data Security**. Each party agrees to maintain commercially reasonable administrative, technical, and physical procedures to protect Card Data and other non-public personal information about consumers from unauthorized access, accidental loss, modification, or breach. However, no security system is impenetrable and Splitit cannot guarantee that unauthorized parties will never be able to defeat our security measures. Merchant provides Card Data and other information to Splitit with the understanding that any security measures that Splitit provides may not be appropriate or adequate for Merchant’s business, and Merchant agrees to implement security controls that meet Merchant’s specific requirements. In Splitit’s sole discretion, Splitit may take any action, including suspension of Merchant’s company account, to maintain the integrity and security of the Splitit Services, Card Data, other nonpublic personal information, or otherwise to prevent harm to Merchant, its Customers, Splitit or Splitit’s systems, or others. Merchant waives any right to make a claim against us for losses that Merchants incurs that may result from such actions. 9.3 **Accuracy and Retention of Data**. You are solely responsible for verifying the accuracy and completeness of all Card Data and any other information submitted to us by Merchant or Processor in connection with the Splitit Transactions. Merchant acknowledges and agrees that Splitit relies on the accuracy of information and any inaccurate information may lead to Merchant losses. Splitit has no obligation to confirm, validate, retain, report or otherwise provide any records of Splitit Transactions or Card Data collected by us. Splitit has no obligation to provide you with any Card Data. 9.4 **Data Access**. You must provide us with remote access to Card Data and instruct your credit card payment Processor(s) to provide us with unrestricted remote access to your credit card payment processing information relating to Splitit Transactions and the Splitit Services. You grant us the right to access your Processor on your behalf and to employ other reasonable methods for obtaining the Card Data in connection with the Splitit Services. 9.5 **Password Security**. We will issue you a password granting you and/or your representatives and agents access to a merchant portal providing a dashboard and information regarding your Splitit Transactions (the **“Merchant Portal”**). You hereby agree to restrict use and access to your password to your authorized representatives and agents on an as-needed basis and ensure that each representative or agent is aware of, and complies with, the terms of this Platform Agreement. You are solely responsible for maintaining adequate security and control of any passwords and credentials issued to you by Splitit. 9.6 **Audit**. In a case where either party reasonably believe that a security breach or compromise of Card Data has occurred, the parties agree to (i) notify the non-breached party as soon as possible and (ii) reasonably cooperate with the other non-breached party, at its own expense, to conduct a security audit of systems systems and facilities. ## 10\. TERM AND TERMINATION 10.1 **Term**. This Platform Agreement becomes effective upon your first use of the Splitit Platform and remains in effect until terminated as provided below (the “ **Term**”). 10.2 **By the Merchant**. You may terminate this Platform Agreement at any time upon ninety (90) days’ prior written notice; provided that, if you do not accept any changes made to this Platform Agreement, including to the Fee Schedule, you may terminate this Platform Agreement upon thirty (30) days’ prior written notice. 10.3 **By Splitit**. Splitit may terminate this Platform Agreement upon any of the following: (a) Ninety (90) days’ prior written notice, for any reason. (b) Thirty (30) days’ prior written notice, if there is or may reasonably be an increase in Risk Factors associated with your Splitit account. (c) Immediately, (i) if you change the basic nature of your business without prior written notice to us, (ii) if you do not comply with the terms of, or if you do not perform any of your obligations under, this Platform Agreement or other agreements entered into with Splitit, (iii) if we are requested to do so by any of the Card Networks or any governmental authority, (iv) if you are not in compliance with any statute, law, rules and regulations applicable to you and your business, or (v) if you become, or are declared to be, subject to any bankruptcy, insolvency, liquidation, reorganisation, court schemes, moratoria, administration and other laws generally affecting the rights of creditors. 10.4 **Effect of Termination**. Upon termination of this Platform Agreement, you shall remove all Splitit branding assets from your websites and we will stop facilitating new Splitit Transactions through the Splitit Platform. You will not receive a refund for any Fees paid on account of your use of the Splitit Services. We will continue to facilitate processing of any remaining Installments under existing Splitit Transactions. 10.5 **Survival**. The following sections of this Platform Agreement shall survive termination: 2.4 – 2.5, 3.1-3.4, 4, 5.2, 6.2, 6.3, 6.5, 7, 9.1, 9.2, 10.4, 11.1, 11.2, 11.5-11.9, 11.12. ## 11\. MISCELLANEOUS 11.1 **Limitation of Liability**. The Splitit Platform, Splitit Services and all accompanying documentation are provided to you on an “as is” basis, without any express or implied warranties. Nothing in this Platform Agreement limits or excludes either our or your liability for (a) fraud or fraudulent misrepresentation, or (b) any liability that cannot be limited or excluded by applicable law. Notwithstanding anything herein to the contrary, each Party’s total liability to the other Party under this Platform Agreement shall not exceed the aggregate Fees received by Splitit on account of Merchant’s use of the Splitit Services during the thirty (30) days prior to the date of claim. 11.2 **No Consequential Damages**. Under no circumstances will either party or any of our respective affiliates, vendors, officers, directors, employees, contractors or agents be liable toward the other party for any indirect, incidental, consequential or special damages, including, without limitation, damages for lost revenue, lost profits (real or anticipated), lost business, lost data, injury to business reputation or cost of procurement of substitute services, whether in contract or in tort, including negligence or otherwise, regardless of whether such party has been advised of the possibility of such damages. 11.3 **Assignability**. This Platform Agreement may not be assigned by either party without the advance written consent of the other party, which consent shall not be unreasonably withheld, except that either party may assign its interests in this Platform Agreement to a parent corporation or affiliate now existing or hereinafter formed without advance written consent.  In addition, Splitit may assign, transfer or novate this Platform Agreement (or any rights arising out of it) (i) to any successor corporation in the event Splitit is acquired, whether by asset purchase, stock purchase, merger or any other change of control transaction, or (ii) to any financier, lender, third party investor, third party purchaser of receivables or to any special purpose company established by any of the foregoing at any time in its absolute discretion.  If you change your name or place of jurisdiction, you shall immediately notify Splitit in writing. 11.4 **Notices**. Any notices sent in relation to this Platform Agreement will be sent by email and effective upon delivery; if to you, to the email address you provided in connection with this Platform Agreement, and, if to us, to legal@splitit.com and to success@splitit.com. If you wish to terminate this Platform Agreement, notice must be sent by email to success@splitit.com. 11.5 **Waiver**. If either party fails to enforce any provision of this Platform Agreement, or to exercise any right or remedy under this Platform Agreement or applicable law to which it is entitled, such failure will not be construed as a waiver of such party’s right to assert or rely upon any such provision, right or remedy. Any waiver by either party of a breach of any provision of this Platform Agreement must be in writing, and no such waiver will be construed as a waiver of any other and/or subsequent breach of such provision or a waiver of the provision itself. 11.6 **Indemnification**. Except for losses resulting from Splitit’s misconduct, negligence, wilful violation of its applicable law, or reckless disregard for its duties under this Agreement, you agree to indemnify, defend and hold Splitit and its affiliates, subsidiaries, and their respective officers, directors, and employees harmless from any losses, damages, claims, liabilities and expenses, including reasonable attorney’s fees, related to your use of the Splitit Platform or Splitit Services, or any violation by you of this Platform Agreement, and related agreements entered into by you with Splitit, or any Customer, including any Installment Agreement. 11.7 **Governing Law; Arbitration**. This Agreement will be governed by the laws of the State of New York, exclusive of its rules governing choice of law and conflict of laws.  Any dispute, controversy or claim arising out of or in connection with this Platform Agreement, including any question regarding its existence, validity or termination, shall be referred to and finally resolved by confidential, binding arbitration under the rules relating to commercial arbitration of the American Arbitration Association. 11.8 **Export Compliance**. Each party will comply with the export laws and regulations of the United States, European Union, and other applicable jurisdictions in providing and using the Splitit Services. 11.9 **Relationship**. Nothing contained herein will in any way constitute any association, partnership, agency, employment, debtor/creditor relationship, or joint venture between the parties hereto, or be construed to evidence the intention of the parties to establish any such relationship. Neither party will have the authority to obligate or bind the other in any manner, and nothing herein contained will give rise or is intended to give rise to any rights of any kind to any third parties. 11.10 **Third party rights**. Subject to Section 11.3 (Assignability), nothing in this Platform Agreement confers, or is intended to confer, a benefit enforceable by a person other than the parties hereto. 11.11 **Severability**. If any provision of this Platform Agreement or portion thereof is held to be unenforceable, this determination will not affect the remainder of this Platform Agreement. 11.12 **Entire Agreement**. This Platform Agreement, together with the Application and all of our policies referenced herein, sets forth the entire understanding between us and supersedes any other agreement or understanding concerning the subject matter of this Platform Agreement. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=132vsls8cjnw)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=nxadnr5gek2i)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) **See consumer state notices and disclosures, by clicking the below links.** - [Splitit USA Inc.](https://www.splitit.com/legals/licensing/#splitit-usa-inc) - [Splitit Consumer Funding LLC](https://www.splitit.com/legals/licensing/#splitit-consumer-funding-llc) You can visit the [NMLS Consumer Access](https://nmlsconsumeraccess.org/) website to verify the licensing status of the entities above. ## Splitit USA Inc. Nationwide Multistate Licensing System (NMLS) Identification Number 2314339 | | | | | --- | --- | --- | | South Dakota | Division of Banking | Money Lender License
No. 2314339.MYL | ## Splitit Consumer Funding LLC Nationwide Multistate Licensing System (NMLS) Identification Number 2630622 **Pending.** Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=qa6hbud328hc)# Making the immigration process even easier ![](https://www.splitit.com/wp-content/uploads/2024/10/boundless-with-logo.jpg) ### 3,000green card applications submitted with the assistance of Splitit ### +18%monthly sales volume over the last 6 months ## About Boundless Boundless is a modern immigration company that offers a simpler and more affordable option for immigrants seeking residence in the United States. Traditional routes for filing for a green card or citizenship are either DIY, with more risks and it typically takes a lot of time, or to go through an attorney, which is expensive and the quality is not assured. Boundless allows immigrants to easily file online, removing the complexities of the process, and provides access to an independent immigration attorney for a flat fee that is far less than any attorney would offer. ## No credit checks and a fast checkout Boundless actively searched for an alternative payment solution to help improve accessibility for their clients. Although its services are more affordable than standard attorney prices, it still means paying a lump sum up front. It was also important to not slow down the physical checkout process with any barriers. After looking at several service providers, it found Splitit, which offered the best solution for its needs. First of all, Splitit installment plans never have added fees or interest. Choosing to pay with Splitit is simple, has fewer hurdles, fits seamlessly into the checkout process, and is quick and easy. Splitit’s patented solution runs off of a client’s existing credit card, so there is no need to fill out an application or run a credit check. Not relying on credit checks for approval is important for people who may not have had the chance to build up their credit score yet – a situation many people going through the immigration process often deal with. For the customer, it is as simple as checking the Splitit box and choosing the number of monthly payments. ## Want to find out how Splitit can help your business grow like Boundless? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=qy0etmpg7jd)# Ready to up your payments game? Splitit specializes in converting more large purchases, with 4x the AOV of any other BNPL solution. That means larger margins for your premium sports brand. [Book a demo](https://www.splitit.com/merchants/industries/sport-and-outdoor/#contact-sales) 50% of shoppers would switch merchants for card-linked installments ![](https://www.splitit.com/wp-content/uploads/2024/11/card-linked-installments-for-sports-equipment-1024x683.jpg) ![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Mobvoi](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi1.jpg)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Specialized](https://www.splitit.com/wp-content/uploads/2024/10/specialized1.jpg)![n+](https://www.splitit.com/wp-content/uploads/2024/10/nplus1.jpg)![Exxentric](https://www.splitit.com/wp-content/uploads/2024/10/press-logo-standard-black1.png)![MATE.](https://www.splitit.com/wp-content/uploads/2024/10/mate-bike1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Mobvoi](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi1.jpg)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Specialized](https://www.splitit.com/wp-content/uploads/2024/10/specialized1.jpg)![n+](https://www.splitit.com/wp-content/uploads/2024/10/nplus1.jpg)![Exxentric](https://www.splitit.com/wp-content/uploads/2024/10/press-logo-standard-black1.png)![MATE.](https://www.splitit.com/wp-content/uploads/2024/10/mate-bike1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Mobvoi](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi1.jpg)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Specialized](https://www.splitit.com/wp-content/uploads/2024/10/specialized1.jpg)![n+](https://www.splitit.com/wp-content/uploads/2024/10/nplus1.jpg)![Exxentric](https://www.splitit.com/wp-content/uploads/2024/10/press-logo-standard-black1.png)![MATE.](https://www.splitit.com/wp-content/uploads/2024/10/mate-bike1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Mobvoi](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi1.jpg)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Specialized](https://www.splitit.com/wp-content/uploads/2024/10/specialized1.jpg)![n+](https://www.splitit.com/wp-content/uploads/2024/10/nplus1.jpg)![Exxentric](https://www.splitit.com/wp-content/uploads/2024/10/press-logo-standard-black1.png)![MATE.](https://www.splitit.com/wp-content/uploads/2024/10/mate-bike1.png) ## A more responsible way to pay We are the only installment payment solution that allows shoppers to use their existing credit card at checkout without increasing their debt. [Regulations are changing](https://www.splitit.com/blog/splitit-the-most-relevant-bnpl-with-regulations-looming/) for legacy BNPL providers, be prepared and act now. Splitit Embedded Ecommerce Installments - YouTube Splitit 489 subscribers [Splitit Embedded Ecommerce Installments](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc) Splitit Search 1/1 Info Shopping Tap to unmute If playback doesn't begin shortly, try restarting your device. Up NextCancelAutoplay is paused You're signed out Videos you watch may be added to the TV's watch history and influence TV recommendations. To avoid this, cancel and sign in to YouTube on your computer. CancelConfirm Share Include playlist An error occurred while retrieving sharing information. Please try again later. Watch later Share Copy link Watch on 0:00 [Previous (SHIFT+p)](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Previous (SHIFT+p)")[Next (SHIFT+n)](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Next (SHIFT+n)") / •Watch full videoLive • [Watch on YouTube](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Watch on YouTube") ## Frictionless payments Splitit provides the technology that empowers you to offer installment payments embedded within your existing customer journey. [Book a demo](https://www.splitit.com/merchants/industries/sport-and-outdoor/#contact-sales) Pay now$2,500Pay in 3$833.33Pay in 9$277.78$2,500Or from $416.66/moLearn more ### Own the end-to-end journey Splitit places your brand at the heart of every transaction, ensuring that you maintain complete control over the customer experience. By managing the entire journey, you can tailor the shopping experience to reflect your brand’s unique values and drive repeat business. ### Use existing credit Splitit removes the high risks of legacy BNPL by using existing credit, meaning there is no underwriting and we won’t hurt your shopper’s credit rating. Plus, shoppers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud. ### No registrations or redirects Splitit embeds into your current purchase flow, allowing any consumer with an active credit card to use the service – there’s no registration or application needed. Our seamless integration keeps the checkout smooth and straightforward, resulting in higher conversion rates and a checkout that is quick, easy, and secure for your shoppers. ![](https://www.splitit.com/wp-content/uploads/2024/11/increase-average-order-value-with-pay-later.png) ## Increase transaction values With Splitit’s card-attached installments there’s no arbitrary purchase limit, customers can maximize their purchasing potential using their existing available credit, leading to higher transaction values. ![](https://www.splitit.com/wp-content/uploads/2024/11/highest-approval-rates-with-splitit.png) ## Drive more conversions Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. With no applications, underwriting or SSN required, there is no friction at the checkout. ![](https://www.splitit.com/wp-content/uploads/2024/11/zero-default-risk-with-card-linked-installments-747x1024.png) ## Zero default risk Splitit operates with customers’ existing credit cards – their installment payment plan lives within the limits of their existing credit card. This means there’s no risk of defaulting on payment – should a customer miss their payments, the total order amount will be charged to their card. Real Businesses. Real Stories. ## Don’t just take our word for it. Splitit has helped thousands of businesses around the world to offer flexible pay-over-time options to their customers, using their existing credit card, in a more responsible way. [Book a demo](https://www.splitit.com/merchants/industries/sport-and-outdoor/#contact-sales) [![Christian Steyer](https://www.splitit.com/wp-content/uploads/2024/10/success-story-canyon.jpg)\\ The Splitit Team has been taking good care of us. It’s been a great partnership and we are all really happy with the results from both sides!\\ \\ **Christian Steyer** Team Manager Business Development at Canyon\\ View success story](https://www.splitit.com/success-stories/sports-outdoor/canyon/) [![Andreas Ahlstrom](https://www.splitit.com/wp-content/uploads/2024/10/exxentric-with-logo.jpg)\\ Splitit offers a very unique payment solution combined with great customer service and customer support.\\ \\ **Andreas Ahlstrom** Senior VP of Sales & Operations at Exxentric\\ View success story](https://www.splitit.com/success-stories/sports-outdoor/exxentric/) [![ Lem Tingley](https://www.splitit.com/wp-content/uploads/2024/10/growing-spaces-with-logo.jpg)\\ Splitit was pretty much plug and play, and the dashboard is really intuitive, so we get really good data from there.\\ \\ **Lem Tingley** Chief Growing Officer (CGO) at Growing Spaces\\ View success story](https://www.splitit.com/success-stories/home-furniture/growing-spaces/) Form [Skip to form](https://js.hsforms.net/ui-forms-embed-components-app/frame.html?_hsPortalId=48942024&_hsFormId=f952360f-f1fd-4fdb-a1ff-3ddd72b8b4be&_hsIsQa=false&_hsHublet=na1&_hsDisableScriptloader=true&editorVersion=2.0#main) # Let’s help your customers gear up for adventure. Learn how Splitit makes sporting goods and outdoor gear more accessible. Reach out for a friendly, no-obligations chat! Email\* Company Name Message By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our Privacy Policy. You can exercise your data protection rights (in arts. 15-22 of the GDPR) at privacy@splitit.com Submit ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) reCAPTCHA Recaptcha requires verification. [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/) protected by **reCAPTCHA** [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/)# Patients are able to afford double the pet care $127 standard veterinary transaction $235 veterinary transaction for practices using VitusVet $751 veterinary transaction when offered VitusPay powered by Splitit ![](https://www.splitit.com/wp-content/uploads/2024/10/vitusvet-with-logo.jpg) ## About VitusVet VitusVetTM is a unique platform designed for veterinarians by veterinarian and former practice owner, Dr. Mark Olcott, in 2013 to solve daily problems through technology. They help veterinary clinics focus more on pets and their owners instead of on their practice management burdens. The standard practice for the front desk team is to field emergency calls, regular appointment scheduling calls, and following up with scheduled clients to confirm their existing appointments. It can become quite busy. The combination of VitusVet’s digital communication tools, automated reminders, and texting service frees up a significant amount of time for veterinary teams, reducing incoming phone calls by 70%. They even offer an app used by millions of pet owners to manage their pet’s health and wellbeing. “ “The wellbeing of pets, that’s what we are really about. Affordability is a real concern when it comes to pet care, so we are thrilled to partner with Splitit to have an option for pet owners to get the care their pet needs on their terms.” ## Promoting “wellness compliance” VitusVet understands one of the biggest issues veterinarians face is the lack of preventative care pets should receive. Roughly 60% of pet owners will leave their appointment without receiving basic preventative products that should be included and is suggested by their vet. For example, not adding flea, tick and heartworm preventatives, dental care, or recommended lab work can be common. It often comes down to affordability for pet owners. However, by not investing in preventative care, their pets may face worse health issues down the road and owners end up spending a lot more in an emergency situation. Finding ways to help pet owners commit to routine care and necessary preventatives is essential for healthy pets and healthy veterinary businesses. VitusVet wants to remove this obstacle and make it easier for pet owners to afford the care necessary to keep their pets healthy – while giving veterinary practices an option that was easy to offer and not add more burden to front desk teams. ## Tripling the average amount spent per visit In a short amount of time, they have seen tremendous success. Pet owners using VitusPay are opting for lab work, testing, and adding products like heartworm, flea and tick prevention to their orders, more than tripling the average amount spent per visit, and almost 6x more than the standard amount per visit. VitusPay has become an integral part of VitusVet’s core platform and is already helping veterinary practices grow revenue while helping pet owners support their pets with better wellness. ## Real feedback from a Vitus Vet customer Tenecia, a 911 dispatcher for the past 7 years, moved into her dream home in Connecticut a couple of years ago with the love of her life and their 3 year old. Her family is her everything and they recently added a furry, little, four-legged friend to the mix. As a new pet owner, Tenecia looked around for pet insurance, but it was very confusing. Due to COVID-19, and because the unknown is a scary thing, their family has been on a stricter budget. Unfortunately, when their little beagle, Jordan, was five months old he got kennel cough. To help cover this unexpected cost, Tenecia’s veterinarian introduced her to VitusPay℠, powered by Splitit®, an installment payment option provided to pet owners as a way to make pet care more affordable. VitusPay, powered by Splitit, allowed Teneica to take care of her puppy without having to dip into her savings. As a result, Tenecia would happily pay with Splitit again in the future for any large purchases. ## Want to find out how Splitit can help your business grow like VitusVet? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=glmi9xn37e9z)# Splitit helps drive repeat business +$500 Average order value +62% repeat business 25% choose to pay with Splitit ![](https://www.splitit.com/wp-content/uploads/2024/10/sleepenvie-with-logo.jpg) “ “I love working with Splitit! It’s a great solution for first time buyers who might be hesitant to pay, providing flexibility and affordability. The Splitit team has always been there for me and my customers. They are easy to work with and I’ve seen them continue to improve their platform services year after year.” ## About Sleepenvie Joy Elena, the owner of Sleepenvie, grew up in the mattress business, helping her father sell mattresses in their family store. An innovator at heart, Joy started selling “mattresses in a box” in 2003, unheard of then, but today is common practice. In 2016, she decided to launch her own mattress brand, Sleepenvie, differentiating itself from her competitors by focusing on customization, core values, community, and culture. As Joy says, Sleepenvie mattresses are not “built for all”, but are customized to meet individual needs based on lifestyle and sleep style. They even ask you to take a quiz to find the right mattress-fit. For example, the Hunter Mattress is especially designed for athletes, promoting restorative sleep and easing sore muscles through the use of cooling technology. Sleepenvie has a great price point and is perfect for young adults who want a quality mattress and are conscientious about where they spend their money. Sleepenvie is more than just a mattress company. Paying it forward and supporting the arts has been a big part of the way the company operates. Since the beginning, they have been supporting SKETCH, an organization creating progressive and creative opportunities for marginalized youth, by providing them with a percentage of their sales. Contributing to the arts and the next generation of cultural leaders, has a residual impact on creating social change, promoting diversity and equality. In addition, to help during this pandemic, they are currently donating 10% of their sales to Feeding America’s Coronavirus response fund. ## Offering accessibility and flexibility to customers Sleepenvie understands that purchasing a mattress is a big ticket item for many of their customers, so there was a real need to offer an alternative payment option. Splitit offered a unique solution that no other company could match, translating seamlessly across borders so they have one solution for both the U.S. and Canada. Splitit does not require credit checks, which is great for young adults who may have not had the chance to build their own credit yet, and utilizes both credit and debit cards. They are able to spread their payments over 12 months, without added fees or interest, which makes Sleepenvie mattresses more accessible and affordable to their customers. They know exactly what they are paying every month in advance, so there are no surprises. Additionally, their installment payment option is available with no minimum purchase, so it can be applied to low ticket items as well. ## A story in numbers The Sleepenvie-Splitit partnership has been a successful one. Their average order value (AOV) has increased by $500 USD, conversions have increased by 6%, and currently 25% of customers are choosing to pay with Splitit. Also, since adding Splitit as an option to pay in their reminder emails, there has been a noticeable increase in abandoned cart recovery. Splitit referrals (direct traffic to Sleepenvie’s website) have gone up by 50% since last year and the company is noticing more repeat buyers. Their customers return to purchase accessories, adding them to their Splitit plans later on. Overall, their repeat business has increased 62% from last year. ## Want to find out how Splitit can help your business grow like Sleepenvie? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=77a0nsp4h9ba)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # PLATFORM AGREEMENT _Last Updated: September 2023_ PLEASE READ THIS PLATFORM AGREEMENT CAREFULLY. BY ACCESSING THE SPLITIT WEBSITE, USING THE SPLITIT SERVICES OR THE SPLITIT PLATFORM, YOU AGREE TO BE BOUND BY THE (1) PLATFORM AGREEMENT, (2)  [SPLITIT PRIVACY POLICY AND PRIVACY NOTICE](http://splitit.localsite/legals/splitit-privacy-policy/english/) AND (3) [DATA PROTECTION ADDENDUM](http://splitit.localsite/legals/data-protection-addendum/). YOU SHOULD RETAIN A COPY OF THIS PLATFORM AGREEMENT FOR YOUR RECORDS. ## 1\. THE PLATFORM AGREEMENT **1.1** This Platform Agreement (“ **Platform Agreement**”) is a contract between the merchant identified in the Merchant Application (“ **you**”, “ **yours**”, “ **your**” or “ **Merchant**”) and **Splitit Operations CA Ltd**(“ **we**,” “ **us**,” “ **our**” or “ **Splitit**”) (together, “ **The Parties**”). **1.2** This Platform Agreement governs your engagement with Splitit (the **“Splitit Services”**), whereby we provide you with a proprietary technology solution for instalment payment processing (“ **Splitit Platform**”). The Splitit Platform allows you to enter into a retail instalment sales contract (“ **Instalment Agreement**”) with your shoppers (each a **“Customer”**), under which you sell Customers goods and services, and the Customer agrees to pay you for such goods and services by instalment payments (“ **Instalments**”) which are processed through your card processor (each such transaction, a “ **Splitit Transaction**”). **1.3** Splitit may make changes to this Platform Agreement from time to time, provided, however, that such changes will not impose additional obligations on you unless you agree to such changes. Splitit will inform you via email and/or your merchant portal of any material changes to the Platform Agreement. Changes to the Platform Agreement can be found on our website at [www.splitit.com](http://splitit.localsite/) which Merchant should review from time to time. BY USING THE SPLITIT SERVICES AND SPLITIT PLATFORM AFTER ANY SUCH CHANGES HAVE BEEN POSTED TO THE SPLITIT WEBSITE YOU AGREE TO ACCEPT ANY CHANGES TO THIS PLATFORM AGREEMENT INCLUDING ANY ADDITIONAL OBLIGATIONS THEREIN. **1.4 You acknowledge and agree that you are only using the Splitit Platform for business purposes, and that you are not a farmer, fisherman or feed ranch lot operator or a sole proprietor in the province of Quebec.** ## 2\. SERVICES WE PROVIDE TO YOU **2.1 Instalment Processing** **(a) Splitit Platform**. The Splitit Platform allows you to obtain an authorization for the total remaining outstanding balance of the Splitit Transaction (“ **Authorization**”) using the available credit or available balance on your Customer’s payments card. The payments card must be a type that utilises a card network supported by the Splitit Platform (the “ **Card Networks**”). The Splitit Platform periodically issues new Authorizations on your behalf for the remaining balance, less each paid Instalment. You may also choose to authorize Splitit Transactions without issuing Authorizations and instead collect payments by charging the payment card for the amount of the Instalment on or around each Instalment due date. **(b) Timing of Authorizations**. The Splitit Platform will begin obtaining Authorizations on Customer’s cards on your behalf at the time of purchase, unless otherwise agreed with Splitit. Unless you notify us otherwise, we will capture the first Instalment within three days of purchase. Merchant represents and warrants that all goods and services purchased by your Customer using a Splitit Transaction will have been shipped, delivered, or provided within this time frame. If you have reason to believe this may not be the case, you shall notify the Splitit customer success team immediately, via email to [success@splitit.com](mailto:success@splitit.com). **2.2 Customer Journey**. Splitit shall provide you with customer journey marketing assets, which may change from time to time, in connection with the Splitit Services and provide guidance on the best placement of these assets for maximum impact and conversion with your shoppers. Merchant hereby agrees to reasonably comply with the placement of the customer journey assets and guidelines. We may agree with you from time to time on additional promotional activities, through your website or otherwise.  In no circumstance should any marketing assets suggest that Splitit is entering into, or responsible for, the Instalment Agreement with the Customer and it should be made clear to the Customer that Splitit is only operating the Splitit platform to facilitate payment by way of instalment. **2.3 Customer Consent**. For each Splitit Transaction, you must ensure that your Customer accepts and approves all Customer Forms (as defined below) related to the Splitit Services including, the [Consumer Terms of Service](http://splitit.localsite/legals/splitit-shopper-terms-conditions/united-states/), the Cost of Borrowing  Disclosure, and the payment authorization (“ **Customer Forms**”). By accepting and approving the Customer Forms, the Customer consents to the Authorization and capture of the full Splitit Transaction amount, the number and schedule of Instalments, the amount captured in each Instalment, and any other terms set forth therein. You will have no right to amend, vary or supplement the terms of the Customer Forms, without prior written consent from Splitit, at any time, as those terms apply to each of your customers in respect of each Splitit Transaction and, in addition to your own standard trading terms for the supply of goods or services, the Customer Forms shall be the only terms between you and the customer in respect of each Splitit Transaction. **2.4 Customer Forms**. You understand that the Consumer Terms of Service and other Customer Forms are contracts entered into between the Merchant and the Customer.  Merchant is solely responsible for fulfilling any and all obligations of such Customer Forms, and agrees to comply with all applicable laws governing such Customer Forms and the Splitit Transactions to which they pertain. Splitit is not a party to the Customer Forms and disclaims all responsibility for Merchant’s compliance with the Customer Forms. **2.5 Splitit Platform Service and Maintenance**. You will promptly notify us of, and assist us in diagnosing, any failure or other impediment to your use of the Splitit Platform, whereupon we will use commercially reasonable efforts to repair the failure or otherwise arrange for the necessary maintenance. ## 3\. FEES AND PAYMENT TERMS **3.1 Customer Fees and Expenses**. Each party agrees that it will never charge Customers any time-price differential, interest rate on outstanding transaction amounts, fees (including, but not limited to, service fees, late fees, credit card surcharges and convenience fees), or penalties in connection with Splitit Transactions. **3.2 Fee Schedule**. The Merchant agrees to pay Splitit the fees set forth in the Merchant Application or as otherwise agreed with Splitit (the “ **Fee Schedule**”) in connection with each Splitit Transaction, which is incorporated by reference into this Platform Agreement (the “ **Fees**”). Value added tax or any similar taxes required by law in connection with the Splitit Services shall be in addition to the Fees agreed in the Fee Schedule. Fees shall be due on the date each Splitit Transaction is created and are payable in accordance with the terms of this Platform Agreement. We reserve the right to modify the Fee Schedule at any time by providing thirty (30) days prior written notice. **3.3 Payment Terms**. Merchant hereby authorizes Splitit or its service provider to debit regularly scheduled charges from Merchant’s chequing account or other accepted payment method identified by the Merchant (“ **Merchant Account**”) for all Fees and other amounts owed to Splitit under this Platform Agreement. Fees will be payable monthly in arrears, subject to rights of setoff contained herein, including in connection with chargebacks and refunds. Merchant understands that the payment may be charged to the Merchant Account as soon as the transaction is initiated by Splitit on each payment date. Merchant understands and agrees that Splitit may not provide prior notice of each transaction unless required by law. In the event any Merchant Account payment charge or transaction is rejected for insufficient funds (NSF) or any other reason, Merchant understands that Splitit may, at its discretion, retry the transaction, unless prohibited by law or payment association rules.  Merchant agrees that Splitit may charge a $30.00 fee each time a transaction or attempt is returned unpaid, and authorizes Splitit to collect that fee by initiating an additional charge to the Merchant Account for the amount of the fee, on or after the date the fee is incurred. Merchant understands that this authorization will remain in effect until Merchant cancels it in writing, and Merchant agrees to notify Splitit in writing of any changes in the Merchant Account information or termination of this authorization at least 15 days prior to the next payment due date. If you terminate this authorization, Splitit may require you to authorize payments using another Merchant Account. If any payment date falls on a weekend or holiday, Merchant understands and agrees that payments may be executed on the next business day **3.4 Non-Payment of Fees**. Any Fees, or other amounts you owe us under this Platform Agreement, which are not paid within thirty (30) days may be subject to interest and late fees as separately agreed or notified in writing, starting as of the date the payment of each such amount was due, until all such Fees are paid in full. Notwithstanding the foregoing, we reserve the right, in our sole discretion, to suspend or cancel your service if any Fees remain unpaid for more than five (5) business days after the payment due date. ## 4\. REFUNDS; CHARGEBACKS; AND FRAUD **4.1 Refunds**. If you agree to issue any Customer a refund, you must notify us immediately and Splitit will cancel the remaining Instalments under the Splitit Transaction and reasonably cooperate with you and your processor, gateway, and acquirer to facilitate such refund. If you notify us of a partial refund, we will update the Authorization in the Splitit Platform accordingly. Notwithstanding anything herein to the contrary, Merchant hereby agrees that Merchant shall be liable to Splitit for any refund initiated by Merchant’s Customers, for any reason, and Merchant shall indemnify and hold Splitit harmless for any damage, loss, cost or liability relating to, or resulting from, any such refund. **4.2 Chargebacks**. Although the Splitit Services can be used to obtain Authorizations for the full amount of the Splitit Transaction, this does not guarantee actual payment, and the full Splitit Transaction, or any single Instalment, may be returned or charged back to the Merchant, like any other payment card transaction. In the event of a chargeback, Merchant hereby agrees to promptly resolve the chargeback with Merchant’s Processor and notify Splitit within seven (7) days of (i) any chargebacks and (ii) when any chargeback is resolved, including the resolution of such chargeback. Notification may be via the merchant portal, files or webhooks implemented during implementation. If we receive notice of any such chargeback, we will notify you accordingly and reserve the right to terminate the Authorization and the Splitit Transaction. Notwithstanding anything herein to the contrary, you shall be liable to us for any chargeback initiated by your Customers, for any reason, and you shall indemnify and hold Splitit harmless for any damage, loss, cost or liability relating to, or resulting from, any such chargeback. **4.3 Effect of Fraud, Disputes, and Chargebacks**. In the event of any fraud, dispute or chargeback Splitit may be unable to maintain Authorizations on the affected Splitit Transactions during the chargeback processing or the Processor or card issuer may cancel or terminate an authorization or block a capture against an Authorization. In each such case, Splitit cannot guarantee processing of the remaining Instalments and Splitit takes no liability for Customer payments in connection with fraud, dispute or chargebacks. 4.4 You shall be responsible for all Fees incurred from the date of the Splitit Transaction, which are non-refundable, and shall be considered fully earned by Splitit on the date of the Splitit Transaction, irrespective of whether such transactions are identified as a refund, chargeback, fraudulent or any other type of transaction. **4.5 Anti-Fraud**. Merchant represents that it has employed risk monitoring and fraud detection practices that a reasonable person would employ in e-commerce. Merchant hereby agrees that Merchant bears sole responsibility for any fraudulent activities associated with Splitit Transactions and, for the avoidance of doubt, Splitit has no liability for any such fraudulent activities. Notwithstanding the foregoing, we may, at our discretion, employ fraud detection technologies or other preventive tools in connection with the Splitit Services, which are designed to provide us with increased transaction screening and fraud detection capabilities. **4.6 Outstanding Amounts**. Except as otherwise provided herein, in any event in which you are unable to collect an amount owed to you by a Customer, which is the direct result of a failure by the Splitit Platform to issue an Authorization, to issue a new Authorization, or to capture an Instalment against an existing Authorization, we will be responsible for paying you the outstanding Authorization amount; _provided however_, that (i) each of Merchant and Processor has fully integrated the Splitit Platform in accordance with all written instructions and developers tools provided by Splitit, as may be updated from time to time,(ii) goods and services have been delivered or rendered as agreed between Merchant and Customer, (iii) transaction and shopper is not determined to be fraudulent, in Splitit’s sole discretion, (iv) Merchant, sub-merchant or affiliates are not determined to be fraudulent, in Splitit’s sole discretion, (v) Merchant has reconciled settled amounts from the Processor in accordance with industry best practices and (vi) Merchant has notified Splitit of any failure event within 30 days of the beginning of such failure event. ## 5\. FINANCIAL AND OTHER INFORMATION; PROTECTIVE ACTIONS **5.1 Financial and Other Information** **(a) Financial Records**. You shall immediately provide Splitit with all financial information reasonably requested by or on behalf of Splitit necessary to process your Application, in connection with a periodic review of your account with us, and to collect any amounts you owe us under this Platform Agreement, including but not limited to, “Know Your Customer” and “Anti-Money Laundering” information. **(b) Books and Records**. You agree to maintain all books and records required (i) by your processor, in accordance with the Card Network Rules, (ii) by law or regulatory bodies, and (iii) by Splitit, as requested by us in writing. **(c) Ongoing Review.** Splitit reserves the right to reassess your eligibility for use of any of the Splitit Services from time to time. This may include obtaining updated business information or financial records as reasonably required to evaluate your eligibility. **(d) Release and Exchange of Financial Information**. You hereby authorize us to release your financial information to your processor or Card Network or other financial/insurance institutions that reasonably request such information in connection with Splitit Transactions. We take no responsibility for how your processor or Card Network treats this information and you will not have any claim against us in connection with this exchange. **5.2 Protective Actions**. If Splitit determines, in our sole discretion, that (i) Merchant fails to comply with any of the provisions in Section 5.1, (ii) Merchant’s financial condition has deteriorated, (iii) your account is suspected of fraudulent activity of any kind, or (iv) your account receives or is likely to receive a high number of customer disputes, chargebacks, or similar complaints or claims (collectively “ **Risk Factors**”), we may immediately take any or all of the following actions in connection with your account and use of the Splitit Services: **(a) Refusal of New Splitit Transactions**. We may temporarily or permanently cease to provide Splitit Services for future Splitit Transactions. Except with respect to suspected fraudulent transactions, which shall be determined in the sole discretion of Splitit, Splitit will continue to attempt to issue Authorizations and captures with respect to existing  Splitit Transactions, until payment of the final Instalment of each such Splitit Transaction. You hereby agree to pay all Splitit Fees during such a period. **(b) Setoff**. In the event that you default in payment of the Fees to us, we retain a right of setoff and may apply any of your deposit balances or amounts we owe you toward the payment of amounts you owe us under this Platform Agreement. This setoff right does not limit any other rights or remedies we may have under applicable law. ## 6\. INTELLECTUAL PROPERTY **6.1 Grant of Non-Exclusive License**. The Splitit Platform is protected by several patents and pending patent applications in the U.S. and several other jurisdictions. Subject to the terms of this Platform Agreement, Splitit hereby grants Merchant a limited, non-exclusive, non-transferable, revocable license to access the Splitit Platform and use the Splitit Services during the Term. Merchant acknowledges that Splitit may change, deprecate or republish APIs for the Splitit Services or feature(s) of the Splitit Services from time to time, and that it is Merchant’s responsibility to ensure that calls or requests Customer makes to the Services are compatible with then-current APIs for the Services. **6.2 License Restrictions**. Merchant will not, and will not permit any third party to, reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, object code or underlying structure, ideas, know-how or algorithms relevant to the Splitit Platform or Splitit Services; modify, translate, or create derivative works based on the Splitit Platform or Splitit Services; use the Splitit Platform or Splitit Services for timesharing or service bureau purposes or otherwise for the benefit of a third party; or remove any proprietary notices or labels. **6.3 Ownership**. Your use of the Splitit Platform does not grant you any right of ownership over any aspect of the Splitit Platform or over any of Splitit’s intellectual property rights, including but not limited to, patents, copyrights, trademarks, trade secrets, and other intellectual property rights (collectively “ **Intellectual Property Rights**“). We retain all ownership rights, title and interest throughout the world in and to all aspects of the Splitit Platform and the Intellectual Property Rights. You may not act in a manner that is inconsistent with, or that in any way challenges, our ownership of the Splitit Platform, our Intellectual Property Rights and associated registrations. **6.4 Use of Splitit Platform**. Your right to use the Splitit Platform is limited to the usage rights expressly granted by Splitit, and such right is specifically restricted to the Splitit Services. You may not share your use of the Splitit Platform with anyone or assist a third party in using the Splitit Platform in any way without prior written consent from Splitit. **6.5 Use of Merchant Promotional Materials**. You will make your logos, button links, text links and other graphic material available to us for display and use on our website, promotional materials, social media channels, and Australian Stock Exchange reporting materials (the “ **Promotional Materials**”). For the duration of the term of this Platform Agreement, you grant us a non-exclusive, worldwide, royalty-free license to use your intellectual property for the purpose of displaying the Promotional Materials on our website, promotional materials, social media channels, and Australian Stock Exchange reporting materials. ## 7\. CONFIDENTIALITY By entering into this Platform Agreement and using the Splitit Services, you acknowledge that we will provide you with certain proprietary and highly sensitive information. For the avoidance of doubt, this provision shall cover all services and information provided to you by Splitit or its affiliates in connection with the Splitit Services and ancillary services and shall supersede any previous confidentiality agreements. **7.1** “ **Confidential Information**” means any information disclosed, provided or made available directly or indirectly by us to you in any form, for the purpose of evaluating, executing, or providing administrative services with respect to a Splitit Transaction, including proprietary information, marketing techniques and know-how, data compilations, analyses, projections, techniques, sketches, drawings, works of authorship, models, inventions, know-how, processes, apparatuses, equipment, algorithms, software programs, software source documents and formulae related to the current, future and proposed products and services of Splitit. **7.2 Exclusions**. Confidential Information does not include any information that (i) was in the public domain prior to our disclosure to you; (ii) becomes publicly known independent of any action by you; (iii) you can prove was already rightfully in your possession at the time of disclosure; or (iv) was obtained by you from a third party without a breach of such third party’s obligations of confidentiality. **7.3 Intended Use**. You will not use any of our Confidential Information for any purpose other than for the purpose of your engagement with Splitit as governed by this Platform Agreement. **7.4 Required Disclosure**. In the event that you are required by law, governmental or regulatory authority, or by a court of competent jurisdiction to disclose any Confidential Information, you will inform us immediately so that we may seek an appropriate protective order or waive your compliance obligations with the provisions of this Platform Agreement, in our sole discretion. In cases where we seek a protective order, you will cooperate with us in order to obtain such order. If we fail to obtain a protective order or you do not receive from us a waiver of your confidentiality obligations, and yet you remain, in the opinion of your legal counsel, legally compelled to disclose Confidential Information, you may disclose only that Confidential Information you are legally required to disclose, provided that you use commercially reasonable efforts to obtain assurances that such Confidential Information will be kept confidential and that you notify us in writing of its scope and content. **7.5 Maintaining Confidentiality**. You shall protect the confidentiality of the Confidential Information, taking at least the degree of care that you take to protect your own confidential information. You shall only share Confidential Information with employees and representatives who are subject to confidentiality and non-disclosure requirements with respect to you and information you receive from third parties. **7.6 Return of Materials**. Upon our written request, you shall return or destroy all documents or media containing or constituting Confidential Information. **7.7 Remedies**. You agree that monetary damages may be an insufficient remedy for any breach or threatened breach of this Section 7, and therefore we may be entitled to specific performance and injunctive or other equitable relief in the case of any such breach or threatened breach, and you agree to waive any requirement for the security or posting of any bond in connection with such relief. Such remedy is not the exclusive remedy for breach of this Section 7.7, but is in addition to any other remedy available to us. ## 8\. REPRESENTATIONS AND WARRANTIES **8.1 Merchant**. You represent and warrant that: **(a) Valid and Binding.**  Each Instalment Agreement constitutes legal, valid, and binding obligations of the relevant Customer in accordance with the terms of the Instalment Agreement, subject to equitable principles and the effect of insolvency laws generally. **(b) Lawful business**. You are engaged in a lawful business and are licensed to conduct your business under the laws of all jurisdictions in which you conduct business. You further represent and warrant that all your statements in this Platform Agreement and related documents are true, accurate, and complete. **(c) Compliance with Applicable Laws**. You will comply with all applicable laws, rules and regulations applicable to you and your business, at your own expense, including all laws prohibiting or limiting the imposition of surcharges, late payment or other fees on Customers with respect to Splitit Transactions. You will comply with all material terms of Splitit policies, procedures, and guidelines governing the Splitit Services that have been provided to you in writing, and the terms of all Instalment Agreements. You may not use the Splitit Platform in any way that may cause us to be subject to investigation, prosecution, or legal action. Although Splitit has no obligation to monitor Merchant’s use of the Splitit Services, Splitit may do so and may prohibit any use of the Splitit Services it believes may be in violation of any rule, Payment Network rule, regulation, or Splitit policy. By acknowledging and agreeing to the terms of this Platform Agreement and using the Splitit Services, you confirm that you are and will remain in full compliance with the operating regulations and rules issued by the Card Networks (the “ **Card Network** **Rules**”). For the avoidance of doubt, Splitit makes no representations or warranties with respect to Merchant’s compliance with Card Network rules. **(d) Reconciliation**. Merchant hereby represents and warrants that Merchant will reconcile all amounts settled from the Processor in respect of Splitit Transactions on at least a monthly basis in accordance with industry best practices. Merchant shall immediately report to Splitit if any such amounts have not settled. **(e) Accurate Information**. All information you provided in connection with the Application is true, correct, and not misleading. You are providing information to Splitit in connection with utilizing the Splitit Services for your own purposes and not for anyone other than yourself or on behalf of another Person. You are solely responsible for all data, information, text, content, reports, and other materials that are uploaded, posted, delivered, or otherwise transmitted or stored by or on behalf of Merchant in connection with the Splitit Transactions or relating to the Splitit Services, including any information provided by a Customer or Processor.   Merchant represents and warrants on its behalf and on behalf of its Processor that (a) it has all rights necessary to provide any information, data, or other materials that it provides hereunder, and to permit Splitit to use the same as contemplated hereunder, (b) all information provided to Splitit is accurate and complete in all respects, and (c) none of the information provided (i) will violate, misappropriate or infringe any rights of any third party, (ii) will defame or invade the rights of privacy or publicity any rights of any third party, or (iii) is designed for use in any illegal activity or promote illegal activities, including, without limitation, in a manner that might be malicious, illegal or harmful to any person or entity, or discriminatory based on race, sex, religion, nationality, disability, sexual orientation, age or any other prohibited grounds of discrimination. **(f) Splitit Transactions**. In connection with each Splitit Transaction, you represent that it is a _bona fide_ sale to an authorized cardholder by you for the amount shown on the invoice, which accurately describes the goods and services sold and constitutes the binding obligation of the cardholder, free from any demand, setoff or other adverse claim. You will fulfil all of your obligations to the cardholder and resolve any Customer dispute or complaint directly with the cardholder. **(g) Taxes**. It is your responsibility to determine what, if any, taxes apply in connection with your use of the Splitit Services and Splitit Platform, including to collect, report and remit the correct tax to the appropriate tax authorities. **(h) Licenses, Registrations, Permits**. You represent and warrant that you have obtained all licenses, permits and registrations, if applicable, required to offer or enter into Instalment Agreements in each province where you will conduct business using the Splitit Services, and you covenant that you will maintain such licenses, permits and registrations in good standing, and comply with all applicable laws governing such licenses, permits, and registrations, at all times during the term of this Platform Agreement and the term of any Instalment Agreement you enter into using the Splitit Services. **8.2 Splitit**. We represent and warrant that the Splitit Services will substantially conform to all applicable laws and regulations and will be provided in a timely and commercially reasonable manner. EXCEPT FOR THE WARRANTIES EXPLICITLY SET FORTH HEREIN, THE SPLITIT SERVICES ARE PROVIDED “AS-IS”, AND SPLITIT HEREBY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED.  Splitit does not make any warranty as to the results that may be obtained from use of the Splitit Services. ## 9\. DATA SECURITY **9.1 Data Usage** **(a) By Merchant**. You agree to use all personal, financial, card or Splitit Transaction information obtained from a cardholder in connection with a Splitit Transaction (“ **Card Data**”) for the purpose of processing a Splitit Transaction with that cardholder. You are responsible for securing data in your possession or control, including through your website. Any disclosure, transfer or use of Card Data and other personal data in connection with the Splitit Services is governed by the [Data Protection Addendum](http://splitit.localsite/legals/data-protection-addendum/) (the “ **DPA**”). **(b) By Splitit**. We will collect, retain, use and share information and Card Data in accordance with applicable provincial and federal Canadian privacy laws and all other applicable laws and regulations relating to data protection, as amended from time to time, and in compliance with the PCI DSS. **9.2 Data Security**. Each party agrees to maintain commercially reasonable administrative, technical, and physical procedures to protect Card Data and other personal information about consumers from unauthorized access, accidental loss, modification, or breach. However, no security system is impenetrable and Splitit cannot guarantee that unauthorized parties will never be able to defeat our security measures. Merchant provides Card Data and other information to Splitit with the understanding that any security measures that Splitit provides may not be appropriate or adequate for Merchant’s business, and Merchant agrees to implement security controls that meet Merchant’s specific requirements. In Splitit’s sole discretion, Splitit may take any action, including suspension of Merchant’s company account, to maintain the integrity and security of the Splitit Services, Card Data, other personal information, or otherwise to prevent harm to Merchant, its Customers, Splitit or Splitit’s systems, or others. Merchant waives any right to make a claim against us for losses that Merchant incurs that may result from such actions. **9.3 Accuracy and Retention of Data**. You are solely responsible for verifying the accuracy and completeness of all Card Data and any other information submitted to us by Merchant or Processor in connection with the Splitit Transactions. Merchant acknowledges and agrees that Splitit relies on the accuracy of information and any inaccurate information may lead to Merchant losses. Splitit has no obligation to confirm, validate, retain, report or otherwise provide any records of Splitit Transactions or Card Data collected by us. Splitit has no obligation to provide you with any Card Data. **9.4 Data Access**. You must provide us with remote access to Card Data and instruct your credit card payment processor(s) to provide us with unrestricted remote access to your credit card payment processing information relating to Splitit Transactions and the Splitit Services. You grant us the right to access your payment gateway on your behalf and to employ other reasonable methods for obtaining the Card Data in connection with the Splitit Services. **9.5 Password Security**. We will issue you a password granting you and/or your representatives and agents access to a merchant portal providing a dashboard and information regarding your Splitit Transactions (the **“Merchant Portal”**). You hereby agree to restrict use and access to your password to your authorized representatives and agents on an as-needed basis and ensure that each representative or agent is aware of, and complies with, the terms of this Platform Agreement. You are solely responsible for maintaining adequate security and control of any passwords and credentials issued to you by Splitit. **9.6 Audit**. In a case where either party reasonably believe that a security breach or compromise of Card Data has occurred, the parties agree to (i) notify the non-breached party as soon as possible and (ii) reasonably cooperate with the other non-breached party, at its own expense, to conduct a security audit of systems and facilities. ## 10\. TERM AND TERMINATION **10.1 Term**. This Platform Agreement becomes effective upon your first use of the Splitit Platform and remains in effect until terminated as provided below (the “ **Term**”). **10.2 By the Merchant**. You may terminate this Platform Agreement at any time upon ninety (90) days’ prior written notice; provided that, if you do not accept any changes made to this Platform Agreement, including to the Fee Schedule, you may terminate this Platform Agreement upon thirty (30) days’ prior written notice. **10.3 By Splitit**. Splitit may terminate this Platform Agreement upon any of the following: **(a)** Ninety (90) days’ prior written notice, for any reason. **(b)** Thirty (30) days’ prior written notice, if there is or may reasonably be an increase in Risk Factors associated with your Splitit account. **(c)** Immediately, (i) if you change the basic nature of your business without prior written notice to us, (ii) if you do not comply with the terms of, or if you do not perform any of your obligations under, this Platform Agreement or other agreements entered into with Splitit, (iii) if we are requested to do so by any of the Card Networks or any governmental authority, (iv) if you are not in compliance with any statute, law, rules and regulations applicable to you and your business, or (v) if you become, or are declared to be, subject to any bankruptcy, insolvency, liquidation, reorganisation, court schemes, moratoria, administration and other laws generally affecting the rights of creditors. **10.4 Effect of Termination**. Upon termination of this Platform Agreement, you shall remove all Splitit branding assets from your websites and we will stop facilitating new Splitit Transactions through the Splitit Platform. You will not receive a refund for any Fees paid on account of your use of the Splitit Services. We will continue to facilitate processing of any remaining Instalments under existing Splitit Transactions. **10.5 Survival**. The following sections of this Platform Agreement shall survive termination: 2.4 – 2.5, 3.1-3.4, 4, 5.2, 6.2, 6.3, 6.5, 7, 9.1, 9.2, 10.4, 11.1, 11.2, 11.5-11.9, 11.12. ## 11\. MISCELLANEOUS **11.1 Limitation of Liability**. The Splitit Platform, Splitit Services and all accompanying documentation are provided to you on an “as is” basis, without any express or implied warranties. Nothing in this Platform Agreement limits or excludes either our or your liability for (a) fraud or fraudulent misrepresentation, or (b) any liability that cannot be limited or excluded by applicable law. Notwithstanding anything herein to the contrary, each Party’s total liability to the other Party under this Platform Agreement shall not exceed the aggregate Fees received by Splitit on account of Merchant’s use of the Splitit Services during the thirty (30) days prior to the date of claim. **11.2 No Consequential Damages**. Under no circumstances will either party or any of our respective affiliates, vendors, officers, directors, employees, contractors or agents be liable toward the other party for any indirect, incidental, consequential or special damages, including, without limitation, damages for lost revenue, lost profits (real or anticipated), lost business, lost data, injury to business reputation or cost of procurement of substitute services, whether in contract or in tort, including negligence or otherwise, regardless of whether such party has been advised of the possibility of such damages. **11.3 Assignability**. This Platform Agreement may not be assigned by either party without the advance written consent of the other party, which consent shall not be unreasonably withheld, except that either party may assign its interests in this Platform Agreement to a parent corporation or affiliate now existing or hereinafter formed without advance written consent.  In addition, Splitit may assign, transfer or novate this Platform Agreement (or any rights arising out of it) (i) to any successor corporation in the event Splitit is acquired, whether by asset purchase, stock purchase, merger or any other change of control transaction, or (ii) to any financier, lender, third party investor, third party purchaser of receivables or to any special purpose company established by any of the foregoing at any time in its absolute discretion.  If you change your name or place of jurisdiction, you shall immediately notify Splitit in writing. **11.4 Notices**. Any notices sent in relation to this Platform Agreement will be sent by email and effective upon delivery; if to you, to the email address you provided in connection with this Platform Agreement, and, if to us, to legal@splitit.com and to success@splitit.com. If you wish to terminate this Platform Agreement, notice must be sent by email to success@splitit.com. **11.5 Waiver**. If either party fails to enforce any provision of this Platform Agreement, or to exercise any right or remedy under this Platform Agreement or applicable law to which it is entitled, such failure will not be construed as a waiver of such party’s right to assert or rely upon any such provision, right or remedy. Any waiver by either party of a breach of any provision of this Platform Agreement must be in writing, and no such waiver will be construed as a waiver of any other and/or subsequent breach of such provision or a waiver of the provision itself. **11.6 Indemnification**. Except for losses resulting from Splitit’s misconduct, negligence, wilful violation of its applicable law, or reckless disregard for its duties under this Agreement, you agree to indemnify, defend and hold Splitit and its affiliates, subsidiaries, and their respective officers, directors, and employees harmless from any losses, damages, claims, liabilities and expenses, including reasonable attorney’s fees, related to your use of the Splitit Platform or Splitit Services, or any violation by you of this Platform Agreement, and related agreements entered into by you with Splitit, or any Customer, including any Instalment Agreement. **11.7 Governing Law; Arbitration**. This Agreement will be governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any dispute, controversy or claim arising out of or in connection with this Platform Agreement, including any question regarding its existence, validity or termination, shall be referred to and finally resolved by confidential, binding arbitration under the rules relating to commercial arbitration of the Canadian Arbitration Association. **11.8 Export Compliance**. Each party will comply with the export laws and regulations of Canada, the United States, European Union, and other applicable jurisdictions in providing and using the Splitit Services. **11.9 Relationship**. Nothing contained herein will in any way constitute any association, partnership, agency, employment, debtor/creditor relationship, or joint venture between the parties hereto, or be construed to evidence the intention of the parties to establish any such relationship. Neither party will have the authority to obligate or bind the other in any manner, and nothing herein contained will give rise or is intended to give rise to any rights of any kind to any third parties. **11.10 Third party rights**. Subject to Section 11.3 (Assignability), nothing in this Platform Agreement confers, or is intended to confer, a benefit enforceable by a person other than the parties hereto. **11.11 Severability**. If any provision of this Platform Agreement or portion thereof is held to be unenforceable, this determination will not affect the remainder of this Platform Agreement. **11.12 French Language**.  The parties hereby acknowledge that they have required this Agreement and all related documents to be drawn up in the English  Language _._ **_LES PARTIES RECONNAISSENT AVOIR DEMANDÉ QUE LE PRÉSENT CONTRAT AINSI QUE LES DOCUMENTS QUI S’Y RATTACHENT SOIENT RÉDIGÉS EN LANGUE ANGLAISE._** **11.13 Entire Agreement**. This Platform Agreement, together with the Application and all of our policies referenced herein, sets forth the entire understanding between us and supersedes any other agreement or understanding concerning the subject matter of this Platform Agreement. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=o3blvmn3ud1a)# Installments for healthcare services The only installment payment solution that allows patients to use their existing credit card without increasing their debt. [Book a demo](https://www.splitit.com/merchants/industries/healthcare/#contact-sales) ![](https://www.splitit.com/wp-content/uploads/2024/11/consumer-financing-for-phyisotherapists-300x200.jpg)![](https://www.splitit.com/wp-content/uploads/2024/11/patient-financing-with-splitit-card-linked-installments-300x200.jpg)![](https://www.splitit.com/wp-content/uploads/2024/11/splitit-card-linked-installments-for-healthcare-300x200.jpg)![](https://www.splitit.com/wp-content/uploads/2024/11/installment-payment-solution-for-dentistry-300x200.jpg) ![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![LYMA Life](https://www.splitit.com/wp-content/uploads/2024/10/lyma-life1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![Healthpath](https://www.splitit.com/wp-content/uploads/2024/10/healthpath-v21.png)![IVF Matters](https://www.splitit.com/wp-content/uploads/2024/10/ivf-matters1.jpg)![Affinity Dental](https://www.splitit.com/wp-content/uploads/2024/10/affinity-dental1.png)![Rupa Health](https://www.splitit.com/wp-content/uploads/2024/10/rupa-health1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![LYMA Life](https://www.splitit.com/wp-content/uploads/2024/10/lyma-life1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![Healthpath](https://www.splitit.com/wp-content/uploads/2024/10/healthpath-v21.png)![IVF Matters](https://www.splitit.com/wp-content/uploads/2024/10/ivf-matters1.jpg)![Affinity Dental](https://www.splitit.com/wp-content/uploads/2024/10/affinity-dental1.png)![Rupa Health](https://www.splitit.com/wp-content/uploads/2024/10/rupa-health1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![LYMA Life](https://www.splitit.com/wp-content/uploads/2024/10/lyma-life1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![Healthpath](https://www.splitit.com/wp-content/uploads/2024/10/healthpath-v21.png)![IVF Matters](https://www.splitit.com/wp-content/uploads/2024/10/ivf-matters1.jpg)![Affinity Dental](https://www.splitit.com/wp-content/uploads/2024/10/affinity-dental1.png)![Rupa Health](https://www.splitit.com/wp-content/uploads/2024/10/rupa-health1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![LYMA Life](https://www.splitit.com/wp-content/uploads/2024/10/lyma-life1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![Healthpath](https://www.splitit.com/wp-content/uploads/2024/10/healthpath-v21.png)![IVF Matters](https://www.splitit.com/wp-content/uploads/2024/10/ivf-matters1.jpg)![Affinity Dental](https://www.splitit.com/wp-content/uploads/2024/10/affinity-dental1.png)![Rupa Health](https://www.splitit.com/wp-content/uploads/2024/10/rupa-health1.png) Mobile installments ## Installment Payments. Anywhere. Set up installment plans on the fly, with no complicated registration or credit checks for your patients. ![](https://www.splitit.com/wp-content/uploads/2024/10/in-person-installment-payments-300x300.png) ### In-person Simply share a QR code or send a payment link via email or SMS. Your patients can select a payment plan that suits them best. ![](https://www.splitit.com/wp-content/uploads/2024/10/over-the-phone-installment-payments-300x300.png) ### On the phone Accept payments over the phone and let your patients choose their preferred number of installments without the need for new credit applications. ![](https://www.splitit.com/wp-content/uploads/2024/10/e-commerce-bnpl-installment-payments-300x300.png) ### Online Integrate Splitit’s installment options directly into your checkout process, or send a payment link to your patients. ## How Splitit works Splitit uses your customers’ existing credit card to enable them to split the cost of their purchase into smaller payments. Splitit’s frictionless solution is embedded in the merchant checkout and requires no applications, credit checks or underwriting. Your customers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud. ![](https://www.splitit.com/wp-content/uploads/2024/10/how-splitit-works-for-shoppers.png) ![](https://www.splitit.com/wp-content/uploads/2024/12/Authorization-1.png) ### Authorization Splitit authorizes the full amount of the purchase on the shopper’s existing credit card and temporarily reserves the balance from their credit card. The shopper will need the full purchase amount available as credit on their credit card on the day of purchase. ![](https://www.splitit.com/wp-content/uploads/2024/12/Pay-monthly.svg) ## Installment plan The first installment is charged a few seconds after the purchase authorization or upon shipping. Splitit will charge the shopper’s credit card every month until the plan is finished. ![](https://www.splitit.com/wp-content/uploads/2025/01/how-splitit-authorization-works-us.png) ![](https://www.splitit.com/wp-content/uploads/2024/11/flexible-payment-solutions-with-splitit-1024x683.jpg) ## Flexible patient payment solutions Splitit offers hassle-free installment payment options, allowing your patients to pay over time without the need for credit checks, additional loans, or interest charges. ![](https://www.splitit.com/wp-content/uploads/2024/11/enhanced-cash-flow-consumer-finance-for-education-1024x683.jpg) ## Enhanced cash flow Experience improved cash flow with predictable, on-time payments. Say goodbye to late or missed payments and enjoy financial stability. ![](https://www.splitit.com/wp-content/uploads/2024/11/zero-risk-consumer-financing-education-1024x683.jpg) ## Zero risk With Splitit, there’s no financial risk. Your clinic can benefit from our service without any cost or obligation, and patients won’t incur additional fees. ![](https://www.splitit.com/wp-content/uploads/2024/11/secure-compliant-installment-payments-for-online-course-providers-1024x683.jpg) ## Security and compliance Rest easy knowing that Splitit adheres to strict security and compliance standards, ensuring the safety of sensitive patient payment data. ![](https://www.splitit.com/wp-content/uploads/2024/11/best-in-class-support-installment-payment-solutions-1024x540.jpg) ## Personalized support Our dedicated team is here to support you every step of the way, from onboarding to implementation to ongoing maintenance, providing a level of service that matches your clinic’s commitment to healthcare excellence. Real Businesses. Real Stories. ## Don’t just take our word for it. Splitit has helped thousands of businesses around the world to offer flexible pay-over-time options to their customers, using their existing credit card, in a more responsible way. [Book a demo](https://www.splitit.com/merchants/industries/healthcare/#contact-sales) [![Neha Raghava](https://www.splitit.com/wp-content/uploads/2024/10/bryantdentalcover.jpg)\\ Splitit allows our optics and other cutting-edge products to reach thousands more customers both in the UK and the rest of the world\\ \\ **Neha Raghava** Group Head of Innovation, Engagement & E-Commerce at Bryant Dental\\ View success story](https://www.splitit.com/success-stories/healthcare/bryant-dental/) [![Daniel Frazer](https://www.splitit.com/wp-content/uploads/2024/10/batelle-cover.png)\\ Splitit allows us to reach customers who would otherwise be unable to purchase and attain a sleep solution for their child.\\ \\ **Daniel Frazer** Batelle CFO\\ View success story](https://www.splitit.com/success-stories/education/batelle/) [![Manny Rubianes](https://www.splitit.com/wp-content/uploads/2024/10/byte-success-story.jpg)\\ Our customers historically have been overlooked by traditional orthodontia. This is a sizeable investment for them. Once they understand how Splitit works, they think ‘oh this totally makes sense – why wouldn’t I do this?\\ \\ **Manny Rubianes** Sales Director at Byte\\ View success story](https://www.splitit.com/success-stories/healthcare/byte/) [![Benjamin Kumalić](https://www.splitit.com/wp-content/uploads/2024/10/omnipemf-with-logo.jpg)\\ To describe Splitit in one word, I would say ‘simplicity’. It is impossible to drop your conversion rate because of Splitit. You can only increase it. It’s 3 clicks until purchase! Simple and frictionless.\\ \\ **Benjamin Kumalić** CMO at Omnipemf\\ View success story](https://www.splitit.com/success-stories/consumer-electronics/omnipemf/) [![Dr. David Shen](https://www.splitit.com/wp-content/uploads/2024/10/Orthoworks-with-logo-1.jpg)\\ I’m so thankful that ToothFairy and Splitit teamed up to help solve this problem and serve our patients better.\\ \\ **Dr. David Shen** CEO at Orthoworks\\ View success story](https://www.splitit.com/success-stories/healthcare/toothfairy-software/) Form [Skip to form](https://js.hsforms.net/ui-forms-embed-components-app/frame.html?_hsPortalId=48942024&_hsFormId=6e353992-60fd-4603-8e2f-6de816a6579c&_hsIsQa=false&_hsHublet=na1&_hsDisableScriptloader=true&editorVersion=2.0#main) # Let’s take the stress out of healthcare payments Caring for patients should come first—let Splitit simplify payment options for your practice and your patients. Reach out for a friendly, no-obligations chat! Email\* Company Name Message By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our Privacy Policy. You can exercise your data protection rights (in arts. 15-22 of the GDPR) at privacy@splitit.com Submit ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) reCAPTCHA Recaptcha requires verification. [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/) protected by **reCAPTCHA** [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/)# Furnish your growth with flexible installments A responsible BNPL solution for shoppers, offer installments payments perfect for furniture and other big-ticket purchases in-store or online. [Book a demo](https://www.splitit.com/merchants/industries/home-and-furniture/#contact-sales) “Splitit has already grown more % wise than I had expected. I had expected Splitit to do 5% of our monthly revenue but it’s doing double that and showing signs of growth.”Somas Home ![](https://www.splitit.com/wp-content/uploads/2024/11/home-and-furniture-pay-later-solution-splitit-1024x683.jpg) ![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Emma](https://www.splitit.com/wp-content/uploads/2024/09/surface1.png)![ReST](https://www.splitit.com/wp-content/uploads/2024/09/rest-logo-newpurple-1.png)![Simba](https://www.splitit.com/wp-content/uploads/2024/09/simba-logo-1.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Somas Home](https://www.splitit.com/wp-content/uploads/2024/09/Somas-Home-Logo-png-new-1.png)![Saunaspace](https://www.splitit.com/wp-content/uploads/2024/10/saunaspace1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Emma](https://www.splitit.com/wp-content/uploads/2024/09/surface1.png)![ReST](https://www.splitit.com/wp-content/uploads/2024/09/rest-logo-newpurple-1.png)![Simba](https://www.splitit.com/wp-content/uploads/2024/09/simba-logo-1.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Somas Home](https://www.splitit.com/wp-content/uploads/2024/09/Somas-Home-Logo-png-new-1.png)![Saunaspace](https://www.splitit.com/wp-content/uploads/2024/10/saunaspace1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Emma](https://www.splitit.com/wp-content/uploads/2024/09/surface1.png)![ReST](https://www.splitit.com/wp-content/uploads/2024/09/rest-logo-newpurple-1.png)![Simba](https://www.splitit.com/wp-content/uploads/2024/09/simba-logo-1.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Somas Home](https://www.splitit.com/wp-content/uploads/2024/09/Somas-Home-Logo-png-new-1.png)![Saunaspace](https://www.splitit.com/wp-content/uploads/2024/10/saunaspace1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Emma](https://www.splitit.com/wp-content/uploads/2024/09/surface1.png)![ReST](https://www.splitit.com/wp-content/uploads/2024/09/rest-logo-newpurple-1.png)![Simba](https://www.splitit.com/wp-content/uploads/2024/09/simba-logo-1.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Somas Home](https://www.splitit.com/wp-content/uploads/2024/09/Somas-Home-Logo-png-new-1.png)![Saunaspace](https://www.splitit.com/wp-content/uploads/2024/10/saunaspace1.png) ## A more responsible way to pay We are the only installment payment solution that allows shoppers to use their existing credit card at checkout without increasing their debt. [Regulations are changing](https://www.splitit.com/blog/splitit-the-most-relevant-bnpl-with-regulations-looming/) for legacy BNPL providers, be prepared and act now. Splitit Embedded Ecommerce Installments - YouTube Splitit 489 subscribers [Splitit Embedded Ecommerce Installments](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc) Splitit Search 1/1 Info Shopping Tap to unmute If playback doesn't begin shortly, try restarting your device. Up NextCancelAutoplay is paused You're signed out Videos you watch may be added to the TV's watch history and influence TV recommendations. To avoid this, cancel and sign in to YouTube on your computer. CancelConfirm Share Include playlist An error occurred while retrieving sharing information. Please try again later. Watch later Share Copy link Watch on 0:00 [Previous (SHIFT+p)](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Previous (SHIFT+p)")[Next (SHIFT+n)](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Next (SHIFT+n)") / •Watch full videoLive • [Watch on YouTube](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Watch on YouTube") ## Frictionless payments Splitit provides the technology that empowers you to offer installment payments embedded within your existing customer journey. [Book a demo](https://www.splitit.com/merchants/industries/home-and-furniture/#contact-sales) Pay now$2,500Pay in 3$833.33Pay in 9$277.78$2,500Or from $416.66/moLearn more ### Own the end-to-end journey Splitit places your brand at the heart of every transaction, ensuring that you maintain complete control over the customer experience. By managing the entire journey, you can tailor the shopping experience to reflect your brand’s unique values and drive repeat business. ### Use existing credit Splitit removes the high risks of legacy BNPL by using existing credit, meaning there is no underwriting and we won’t hurt your shopper’s credit rating. Plus, shoppers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud. ### No registrations or redirects Splitit embeds into your current purchase flow, allowing any consumer with an active credit card to use the service – there’s no registration or application needed. Our seamless integration keeps the checkout smooth and straightforward, resulting in higher conversion rates and a checkout that is quick, easy, and secure for your shoppers. ![](https://www.splitit.com/wp-content/uploads/2024/11/increase-average-order-value-with-pay-later.png) ## Increase transaction values With Splitit’s card-attached installments there’s no arbitrary purchase limit, customers can maximize their purchasing potential using their existing available credit, leading to higher transaction values. ![](https://www.splitit.com/wp-content/uploads/2024/11/highest-approval-rates-with-splitit.png) ## Drive more conversions Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. With no applications, underwriting or SSN required, there is no friction at the checkout. ![](https://www.splitit.com/wp-content/uploads/2024/11/zero-default-risk-with-card-linked-installments-747x1024.png) ## Zero default risk Splitit operates with customers’ existing credit cards – their installment payment plan lives within the limits of their existing credit card. This means there’s no risk of defaulting on payment – should a customer miss their payments, the total order amount will be charged to their card. Real Businesses. Real Stories. ## Don’t just take our word for it. Splitit has helped thousands of businesses around the world to offer flexible pay-over-time options to their customers, using their existing credit card, in a more responsible way. [Book a demo](https://www.splitit.com/merchants/industries/home-and-furniture/#contact-sales) [![Simon Vingoe](https://www.splitit.com/wp-content/uploads/2024/10/virgin-pure-with-logo.jpg)\\ Splitit allows our customers an easy and accessible way to spread the cost of their purchase with as few barriers and pain points as possible.\\ \\ **Simon Vingoe** Head of Sales and Marketing at Virgin Pure\\ View success story](https://www.splitit.com/success-stories/home-furniture/virgin-pure/) [![Furkan Temel](https://www.splitit.com/wp-content/uploads/2024/10/rubeza-with-logo.jpg)\\ Splitit has definitely increased our sales and our customers’ confidence when buying. I highly recommend them to any retailer, small or large.\\ \\ **Furkan Temel** CEO of Rubeza LTD\\ View success story](https://www.splitit.com/success-stories/home-furniture/rubeza/) [![Lloyd Sommers](https://www.splitit.com/wp-content/uploads/2024/10/rest-with-logo.jpg)\\ Splitit has helped us work steadily toward our goal of bringing life changing sleep technology to as many people as possible\\ \\ **Lloyd Sommers** General Manager at ReST\\ View success story](https://www.splitit.com/success-stories/home-furniture/rest/) [![Olivia Smith](https://www.splitit.com/wp-content/uploads/2024/10/sofaclub-with-logo.jpg)\\ Splitit’s solution is clean, it’s simple, and it works. Their customer journey is smooth, and the ease of the functionality on the backend of the website is great.\\ \\ **Olivia Smith** Marketing Manager at Sofa Club\\ View success story](https://www.splitit.com/success-stories/home-furniture/sofa-club/) [![ Lem Tingley](https://www.splitit.com/wp-content/uploads/2024/10/growing-spaces-with-logo.jpg)\\ Splitit was pretty much plug and play, and the dashboard is really intuitive, so we get really good data from there.\\ \\ **Lem Tingley** Chief Growing Officer (CGO) at Growing Spaces\\ View success story](https://www.splitit.com/success-stories/home-furniture/growing-spaces/) [![Alicia Fernandes](https://www.splitit.com/wp-content/uploads/2024/11/emma-logo.svg)\\ Splitit has definitely been a big factor in increasing our conversions and overall interest in our product.\\ \\ **Alicia Fernandes** Project Manager at Emma\\ View success story](https://www.splitit.com/success-stories/home-furniture/emma/) [![Paul Blunden](https://www.splitit.com/wp-content/uploads/2024/10/simba-with-logo.jpg)\\ Splitit has boosted business at Simba, allowing us to make the world’s most 5 star reviewed mattress affordable to an even wider range of customers.\\ \\ **Paul Blunden** CFO at Simba\\ View success story](https://www.splitit.com/success-stories/home-furniture/simba/) [![Joy Elena](https://www.splitit.com/wp-content/uploads/2024/10/sleepenvie-with-logo.jpg)\\ It’s a great solution for first time buyers who might be hesitant to pay, providing flexibility and affordability.\\ \\ **Joy Elena** Founder of Sleepenvie\\ View success story](https://www.splitit.com/success-stories/home-furniture/sleepenvie/) [![Corinne Ferland-Brissette](https://www.splitit.com/wp-content/uploads/2024/10/ergonofis-with-logo.jpg)\\ Splitit fits perfectly with our brand and provides a lot of flexibility for our customers.\\ \\ **Corinne Ferland-Brissette** Growth Marketer at Ergonofis\\ View success story](https://www.splitit.com/success-stories/home-furniture/ergonofis/) Form [Skip to form](https://js.hsforms.net/ui-forms-embed-components-app/frame.html?_hsPortalId=48942024&_hsFormId=aa6a357a-b82b-4a99-aa4a-fb14ea43b676&_hsIsQa=false&_hsHublet=na1&_hsDisableScriptloader=true&editorVersion=2.0#main) # Want to add comfort to your payment solutions? See how Splitit can bring flexibility to your business. Reach out for a friendly, no-obligations chat!” Email\* Company Name Message By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our Privacy Policy. You can exercise your data protection rights (in arts. 15-22 of the GDPR) at privacy@splitit.com Submit ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) reCAPTCHA Recaptcha requires verification. [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/) protected by **reCAPTCHA** [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # Risk Management Policy **SPLITIT LTD** **(Company)** Purpose - The Company considers ongoing risk management to be a core component of the management of the Company. The Company’s ability to identify and address risk is central to achieving its corporate objectives. - This Policy outlines the program implemented by the Company to ensure appropriate risk management within its systems and culture. The Risk Management Program - The Company’s risk management program comprises a series of processes, structures and guidelines which assist the Company to identify, assess, monitor and manage its business risk, including any material changes to its risk profile. - To achieve this, the Company has clearly defined the responsibility and authority of the Board to oversee and manage the risk management program, while conferring responsibility and authority on the Audit and Risk Management Committee to develop and maintain the risk management program in light of the day-to-day needs of the Company. The Audit and Risk Management Committee is governed by the Audit and Risk Management Committee Charter, a copy of which is available on the Company’s website. - Regular communication and review of risk management practice provides the Company with important checks and balances to ensure the efficacy of its risk management program. - The key elements of the Company’s risk management program are detailed below. Risk Identification - In order to identify and assess material business risks, the Company defines risks and prepares risk profiles in light of its business plans and strategies. This involves applying a disciplined process to risk identification, risk assessment and analysis, risk treatment and monitoring and reporting. - The Company presently focusses on the following types of material risks: - regulatory and compliance risks; - reputational risks; - risks relating to conduct of business; and - risks relating to intellectual property. Responsibilities of the Board - The Board acknowledges that it is responsible for the overall system of internal control but recognises that no cost effective internal control system will preclude all errors and irregularities. - The Board has delegated responsibility for reviewing the risk profile including material business risks and reporting on the operation of the internal control system to the Audit and Risk Management Committee. However, the Audit and Risk Management Committee and management may also refer particular risk management issues to the Board for final consideration and direction. - The Board will review the effectiveness of the Company’s risk management framework and internal control system annually to satisfy itself that it continues to be sound and that the entity is operating within the risk appetite set by the Board. Responsibilities of the Audit and Risk Management Committee - The day-to-day oversight and management of the Company’s risk management program has been conferred upon the Audit and Risk Management Committee in accordance with the Audit and Risk Management Committee Charter. The Committee is responsible for ensuring that the Company maintains effective risk management and internal control systems and processes and provides regular reports to the Board on these matters. In addition to the risk management responsibilities in its Charter, the role of the Committee is to: - assist the Board to fulfil its oversight responsibilities for the financial reporting process, the system of internal control relating to all matters affecting the Company’s financial performance, the audit process; - assist the Board in monitoring compliance with laws and regulations; - assist the Board to adopt and apply appropriate ethical standards in relation to the management of the Company and the conduct of its business; - implement, review and supervise the Company’s risk management program; and - review the adequacy of the Company’s insurance policies. Responsibilities of Management - The Company’s management will be responsible for designing and implementing risk management and internal control systems which identify material risks for the Company and aim to provide the Company with warnings of risks before they escalate. Management must implement the action plans developed to address material business risks across the Company. - Management should regularly monitor and evaluate the effectiveness of the action plans. In addition, management should promote and monitor the culture of risk management within the Company and compliance with the internal risk control systems and processes. Management should report regularly to the Board regarding the status and effectiveness of the risk management program. Such reporting by Management should include regular exception reporting to the Board as well as to the Audit and Risk Committee regarding instances of control weaknesses or failures resulting in elevated exposure for the Company. Review of Risk Management Program - The Company regularly evaluates the effectiveness of its risk management program to ensure that its internal control systems and processes are monitored and updated on an ongoing basis. - The division of responsibility between the Board, Audit and Risk Management Committee and management aims to ensure that specific responsibilities for risk management are clearly communicated and understood. The reporting obligations of Audit and Risk Management Committee ensure that the Board is regularly informed of material risk management issues and actions. This is supplemented by the evaluation of the performance of the risk management program. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=akx6h89uczpm)Banks & Financial Institutions # Installments at checkout Increase “pay later” adoption rates with Splitit’s white-label installments at checkout. [Book a demo](https://www.splitit.com/partnerships/banks-and-financial-institutions/#contact-sales) ![](https://www.splitit.com/wp-content/uploads/2024/10/e-commerce-installments-hero-947x1024.png) ## $3.5T credit unlocked Out of $4.5T credit issued on US cards, 80% is unutilized. Splitit unlocks $3.5T of credit and allows shoppers to split their payments using the credit they have already earned, without paying interest. ## 1.2bn approved customers Anyone with a credit card can use Splitit, anywhere in the world. With no applications, underwriting or SSN required, there is no friction at the checkout. ### $1000+ average order value With no arbitrary purchase limit, Splitit is perfect for high-ticket items. Customers can maximize their purchasing potential using their existing available credit, leading to higher transaction values. ## Introducing FI-PayLater Splitit provides the technology that empowers you to offer installment payments embedded within the checkout. ![](https://www.splitit.com/wp-content/uploads/2025/01/banking-image-fipaylter.jpg) ### Unified API Standard Our unified merchant-facing API provides a single entry point for multiple installment programs, including eCommerce plugins and POS SDKs, streamlining integration and deployment. ### Branded checkout experience Enhance your brand visibility with an end-to-end checkout experience designed to optimize sales conversion while keeping your brand front and center. ![](https://www.splitit.com/wp-content/uploads/2024/10/how-splitit-works-for-shoppers.png) ### One-click installments Facilitate easier purchases with one-click installment selection at checkout, complete with customizable preferences for plan duration to suit varying consumer needs. ### Flexible funding options Choose from flexible funding options where either you or Splitit can pre-fund merchants, and collect the installments from the shopper. ![](https://www.splitit.com/wp-content/uploads/2024/12/how-it-works-installment-plan.jpg) A new way of thinking ## Card-linked installments We understand the delicate balance that banks and financial institutions strive to maintain between fostering card usage and preserving valuable issuer-consumer relationships. Splitits’ card-linked model does not cannibalize card spend and does not disintermediate the issuer-consumer relationship through its own brand and platform. [Book a demo](https://www.splitit.com/partnerships/banks-and-financial-institutions/#contact-sales) Pay now$2,500Pay in 3$833.33Pay in 9$277.78$2,500Or from $416.66/moLearn more ### White-label installments give merchants full control of the user journey Merchant benefits ##### Increase transaction values There’s no arbitrary purchase limit, customers can maximize their purchasing potential using their existing available credit. ##### Build lasting loyalty We do not collect shopper data for marketing purposes nor do we share data with third parties. ##### Drive more conversions Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. ### The only installment payment solution that allows shoppers to use their existing credit card at checkout Shopper benefits ##### No additional interest or fees\* Splitit will never charge customers interest or fees. (Standard credit cards T&Cs still apply). \*Standard credit card T&Cs still apply ##### No new loans Customers use the credit they have already earned. All they need is the balance available on their credit card. ##### Keep the rewards coming Customers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud. ### Preserving valuable issuer-consumer relationships Issuer benefits ##### Be present in the checkout 66% of consumers want to know about installment offers before deciding what to buy. Post purchase installments are too late! ##### Retain cardholders Long-Term installment plans that keep cards active and provide a financing alternative for revolvers, preventing “Card Hopping”. ##### Drive incremental card spend A better alternative to legacy BNPL where 70-80% of settlements are conducted via debit/directbank transfer. ## Benefits of card-linked installments Splitit’s card-linked installments offer a cutting-edge payment solution directly at checkout, eliminating the need for applications or registrations post purchase. Our innovative approach caters to a broader range of shoppers, and boosts transaction volumes by offering immediate, flexible payment options at the point of sale. ### Feature ### Card-linked installments ### Post-purchase installments Available at checkoutNo application or registrationEnhanced customer engagementIncreased transaction volumeCater to a broader range of shoppersPersonalized offerings at checkout Left-click: rotate, Mouse-wheel/middle-click: zoom, Right-click: pan ![Fallback image](https://www.splitit.com/wp-content/themes/designbypelling/img/globe.png) Scale with ease ## The easiest pay-later option to adopt A single global API and an extensive network of partnerships makes Splitit’s Installment-as-a-Service the easiest pay-later option to adopt, integrate and operate across all consumer touch points. #### 100+ countries #### 100+ currencies #### Multiple networks ![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png) Form [Skip to form](https://js.hsforms.net/ui-forms-embed-components-app/frame.html?_hsPortalId=48942024&_hsFormId=968d8f50-e76b-4147-864f-d45b1b90cf5d&_hsIsQa=false&_hsHublet=na1&_hsDisableScriptloader=true&editorVersion=2.0#main) # Share a few details and we'll get in touch Email\* Company Name Message By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our Privacy Policy. You can exercise your data protection rights (in arts. 15-22 of the GDPR) at privacy@splitit.com Submit ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) reCAPTCHA Recaptcha requires verification. [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/) protected by **reCAPTCHA** [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/)# How Mobvoi decreased cart abandonment by 10% with Splitit -10% cart abandonment +12% conversion +12% increase in sales revenue ![](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi-with-logo.jpg) ## About Mobvoi Mobvoi provides exciting and innovative AI-powered products including smart headphones, smartwatches, and voice-enabled smart devices. Their products make shoppers very excited to get immediate gratification from cutting-edge technology. Monthly installments put Mobvoi’s products within reach for many more shoppers, shoppers who previously hesitated over the price and often ended up not completing purchases. “ “Mobvoi shoppers are tech-savvy and eager to embrace innovation at a reasonable price.” ![](https://www.splitit.com/wp-content/uploads/2021/12/img_3571336186089614267.jpeg) ## The Impact of Splitit Mobvoi began offering Splitit Monthly Installment Payments in October 2019. In less than six months, shoppers have embraced the Splitit option. They especially value the absence of interest charges. Prior to offering Splitit, Mobvoi found that high price was the biggest reason that people did not complete their purchase. Splitit’s “buy now, pay later” approach helped interested shoppers buy Mobvoi products within their preferred budget by offering low monthly payments, so that they could afford the products they wanted and get them shipped right away. Splitit turned out to be the best choice for Mobvoi because it is the only truly global installment solution. Mobvoi is headquartered in Beijing and has international offices in Seattle, San Francisco, and Taipei. They sell goods in over 130 countries. Using Splitit, they can now offer a better payment experience to their entire global customer base. Mobvoi shoppers using Splitit enjoy instant approval with no application, credit check, or new credit accounts. Splitit installments are a seamless part of the online checkout process. With no added interest, late fees, or penalties to pay, Splitit makes it easy for shoppers to choose higher-priced items or add that extra special something to their order, making the right choice for their style and their budget! Mobvoi’s experience with improved conversion and purchase completion shows the impact of these benefits to shoppers. ## Want to find out how Splitit can help your business grow like Mobvoi? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=6iaxygw1y6zr)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # Privacy Policy – Reino Unido y Europa _Última actualización: mayo de 2024_ Splitit se compromete con su derecho a la privacidad. Las referencias a « **Splitit**», « **nosotros**», « **nos**» o « **Empresa**» aluden a Splitit UK Ltd, el **encargado del tratamiento**. También podemos hacer referencia a «Splitit» cuando tratemos sus datos a través de las filiales o subsidiarias pertinentes del grupo de empresas Splitit que participan en la actividad de tratamiento de datos, incluida la recopilación, el almacenamiento, el uso y la divulgación de Datos personales. Nuestro representante en la UE es legal@splitit.com. Esta Política de privacidad (« **Política de privacidad**») rige la recopilación, el tratamiento, el uso, la transferencia y la divulgación de datos que realicemos nosotros (o cualquier persona en nuestro nombre) en relación con las actividades de tratamiento en las que actuamos en calidad de encargados del tratamiento. **Cuando actuamos en calidad de encargados del tratamiento**, las actividades de tratamiento están relacionadas con: (i) los visitantes de nuestro Sitio web: [https://www.splitit.com/](https://www.splitit.com/) (respectivamente, « **Visitantes**» y el « **Sitio web**»); (ii) los clientes de Splitit (p. ej., vendedores y minoristas de plataformas de comercio electrónico que alojan o incorporan la Solución de Splitit) y, en particular, sus representantes y empleados (respectivamente, el « **Vendedor**» y « **Solución de Splitit**»); (iii) los clientes particulares de los vendedores (« **Consumidores**») cuando dan su consentimiento para realizar encuestas sobre nuestros servicios o recibir nuestros boletines informativos; y (iv) prestar servicios de pago a los vendedores (en conjunto, los « **Servicios**»). **Cuando actuamos en calidad de responsables del tratamiento**, tratamos los Datos personales **en nombre de los Vendedores** respecto a las transacciones que realicen los Consumidores a través de la Solución de Splitit. Si es usted Consumidor, nosotros actuamos en calidad de **responsables del tratamiento** de sus Datos personales en nombre del Vendedor, que es el encargado del tratamiento de datos. **CONSULTE LA POLÍTICA DE PRIVACIDAD DEL COMERCIANTE PARA OBTENER MÁS INFORMACIÓN SOBRE EL TRATAMIENTO DE SUS DATOS.** Esta Política de privacidad no se interpretará de ninguna manera en el sentido de derogar las condiciones generales del Sitio web o cualquier otro acuerdo o entendimiento entre Splitit y los interesados. **Salvo que lo exija la legislación local, la versión inglesa de la presente Política de privacidad prevalecerá en todos los aspectos y será la que prevalezca en caso de incoherencias o discrepancias con las versiones traducidas de la presente Política de privacidad (incluidos los documentos relacionados).** **ASPECTOS MÁS DESTACADOS**: - **Nuestro Sitio web y nuestros Servicios están destinados a usuarios mayores de 16 años o la edad legal mínima equivalente para dar su consentimiento al tratamiento de Datos personales o para utilizar los Servicios en la jurisdicción correspondiente. Los usuarios menores de esa edad no pueden utilizar los Servicios. En ciertas jurisdicciones, el uso de los Servicios puede estar restringido para los usuarios menores de 18 o 21 años.** - **En algunas jurisdicciones, como la Unión Europea y Reino Unido, tendrá derecho, en virtud de la legislación aplicable, a solicitar: la revisión, el acceso, la modificación, la corrección, el borrado, la restricción o la portabilidad de los Datos personales que tratamos. Tenga en cuenta que, en caso de que solicite borrar o restringir el tratamiento o retirar el consentimiento para el tratamiento de sus Datos personales, su uso de los Servicios puede verse restringido o inhabilitado.** - **No vendemos, intercambiamos ni alquilamos los Datos personales de los usuarios a terceros. Solo compartimos Datos personales con terceros en relación con la prestación de los Servicios a nuestros Usuarios u otras circunstancias limitadas, según se especifica en el presente documento.** - **Si tiene alguna pregunta o solicitud respecto a sus Datos personales o si desea ponerse en contacto con nosotros en relación con esta Política de privacidad, envíenos un correo electrónico a:** [**privacy@splitit.com**](mailto:privacy@splitit.com) **.** **_1\. ¿Qué son los Datos personales y qué datos recopila Splitit sobre mí?_** Por « **Datos personales**» o « **Información personal»**(en conjunto, « **Datos personales**») se entiende cualquier información sobre una persona identificable o que identifique o pueda usarse para identificar a una persona física, directa o indirectamente, incluidos, entre otros, nombre y apellidos, número de teléfono, dirección de correo electrónico, identificadores en línea, dirección IP u otros identificadores en línea, información de facturación, información relativa a hogares, dispositivos, etc. Por « **Datos no personales**» se entiende los datos agregados o anonimizados no identificables que quedan fuera de la definición de Datos personales. Estos datos no se utilizan para identificar a las personas. **_2\. ¿Con qué fines y en base a qué fundamentos jurídicos tratamos sus Datos personales?_** En general, podemos utilizar algunos de los Datos personales aquí mencionados para los supuestos que se describen a continuación. También podemos tratar Datos personales para evitar actividades potencialmente prohibidas o ilegales, fraudes, apropiaciones indebidas, infracciones, robos de identidad y cualquier otro uso indebido de los Servicios. Asimismo, podemos usar los Datos personales aquí mencionados para hacer cumplir el acuerdo que se le aplica, así como para proteger la seguridad o la integridad de nuestras bases de datos y Servicios. Dicho tratamiento se basa en nuestros intereses legítimos o en una obligación impuesta por ley. A continuación, describimos tres supuestos en los que podemos usar Datos personales. En cada supuesto, describimos por separado (i) el tipo de usuario y el tipo de datos, (ii) los fines para los que podemos recopilar, usar o divulgar estos Datos personales, (iii) el fundamento jurídico en virtud del RGPD para recopilar esta información, si corresponde, y (iv) los periodos de retención. **~~~~~~~~~~~~~~~~~** **Supuesto A** **Al actuar en calidad de encargado del tratamiento de** **datos relacionados con los Vendedor**, los Datos personales solo se utilizan para los fines que se indican a continuación: Tipo de usuario y tipo de datos Si se registra como Vendedor en nuestros Servicios, recopilaremos, utilizaremos y divulgaremos su información durante el proceso de registro. Dicha información incluye, entre otros, su nombre, cargo, región, empresa, dirección de correo electrónico, datos de su persona de contacto, información financiera (por ejemplo, datos de su cuenta bancaria), etc. Recopilamos esta información directamente de usted cuando colabora con nosotros (por ejemplo, cuando firma un contrato con nosotros o un pedido de compra).   También recopilamos esta información directamente de usted cuando solicita una demostración o cuando firma un acuerdo comercial con Splitit. | | | | --- | --- | | **Propósitos para los que podemos recopilar, usar o divulgar estos Datos personales** | **Fundamento jurídico en virtud del RGPD** | | - Para darle de alta en nuestros Servicios.
- Para identificar a los usuarios autorizados para acceder a los Servicios. | - Para ejecutar el contrato del que es parte el Vendedor.
- Para adoptar medidas a petición del Vendedor antes de celebrar un contrato con un Consumidor.
- Necesidad del tratamiento para los fines de los intereses legítimos de Splitit a fin de garantizar la seguridad de los Servicios y la confidencialidad.
- Para cumplir con nuestras obligaciones legales. | | - Para prestarle los Servicios e implementar la Solución de Splitit en su plataforma.
- Para comunicarnos con usted en relación con el servicio de atención al cliente y cuestiones de apoyo, así como para responder a preguntas o comentarios y ayudar a resolver cualquier problema. | - Para ejecutar el contrato del que es parte el Vendedor.
- Necesidad del tratamiento a efectos de los intereses legítimos de Splitit para prestar Servicios eficaces y defender los derechos e intereses de Splitit en caso de litigio. | | - Para participar en actividades de «marketing». | - Sobre la base de su consentimiento cuando se suscribió a las listas de correo de Splitit.
- Cuando ya tengamos una relación contractual con usted, podremos enviarle información comercial sobre la base de nuestros intereses legítimos para enviarle información sobre productos y servicios similares a los que usted ya haya contratado. | | - Para resolver cualquier litigio. | - Necesidad del tratamiento a efectos de los intereses legítimos de Splitit para defender los derechos e intereses de Splitit en caso de litigio. | | - Para cumplir nuestras obligaciones legales (relacionadas con las leyes fiscales, comerciales y administrativas, etc.). | - Para cumplir con nuestras obligaciones legales. | **~~~~~~~~~~~~~~~~~** **Supuesto B** **Al actuar en calidad de encargado del tratamiento de los datos de los usuarios del Sitio web y el Servicio,** los Datos personales solo se utilizan para los fines que se especifican a continuación: Tipo de usuario y tipo de datos **Información técnica, geolocalización e identificadores en línea**: recopilamos información técnica que transmite su dispositivo cuando utiliza el Sitio web o los Servicios; esta información incluye: tipo de sistema operativo y dispositivo utilizado para acceder al Sitio web o a los Servicios, sello de fecha y hora, preferencias de idioma, geolocalización aproximada (es decir, país/estado), dirección IP y sus acciones, como páginas vistas, consultas de búsqueda, etc. Recopilamos automáticamente esta información de usted cuando utiliza el Sitio web o los Servicios. En caso de que utilice los Servicios en calidad de Consumidor, es posible que recibamos esta información directamente del Vendedor al que le compró un producto mediante la Solución de Splitit. **Información de contacto**: si se pone en contacto con nosotros a través de la sección «Contacto» disponible en el Sitio web o por cualquier otro medio, podemos recopilar cierta información sobre usted, como su nombre y apellidos, su correo electrónico, su número de teléfono, su rol (por ejemplo, Consumidor o Vendedor), su empresa (si le corresponde), su país, el contenido de su mensaje, etc. Recopilamos esta información directamente de usted cuando contacta con nosotros. **Suscripción al boletín**: si se suscribe voluntariamente a nuestro boletín a través del Sitio web, se le pedirá que nos indique su dirección de correo electrónico. Puede cancelar la suscripción en cualquier momento utilizando la opción de cancelación de suscripción que figura en el cuerpo del correo electrónico correspondiente o poniéndose en contacto con nosotros directamente. Recopilamos esta información directamente de usted. | | | | --- | --- | | **Propósitos para los que podemos recopilar, usar o divulgar estos Datos personales** | **Fundamento jurídico en virtud del RGPD** | | - Para identificar a los usuarios autorizados de los Servicios.
- Para permitirle acceder y utilizar los Servicios. | - Necesidad del tratamiento para los fines de los intereses legítimos de Splitit para gestionar y mejorar nuestro Sitio web y nuestros Servicios.
- Para ejecutar el contrato con usted. | | Para la información de «Contacto»:
- Para responder a sus consultas y prestarle los servicios que nos ha solicitado.
- Para resolver cualquier litigio. | - Necesidad del tratamiento para los fines de los intereses legítimos de Splitit para gestionar y mejorar nuestro Sitio web y nuestros Servicios, así como defender nuestros derechos y resolver las quejas.
- Su consentimiento.
- Para cumplir un contrato que podamos tener con usted.
- Para cumplir con nuestras obligaciones legales. | | - Para las suscripciones a boletines: utilizamos esta información únicamente para proporcionarle el contenido que ha solicitado o que puede ser de su interés. | - Necesidad del tratamiento a efectos de los intereses legítimos de Splitit de proporcionar información relevante a las personas.
- Sobre la base de su consentimiento al suscribirse a nuestras listas de correo. | **~~~~~~~~~~~~~~~~~** **Supuesto C** **Al actuar en calidad de Encargado del tratamiento de los datos de los usuarios Clientes**, los Datos personales solo se utilizan para los fines que se especifican a continuación: Tipo de usuario y tipo de datos **Encuestas y evaluación de los Servicios**: podemos recopilar, usar y divulgar información cuando participe y responda a encuestas, envíe sus comentarios a los formularios de evaluación de los Servicios, así como cuando califique o evalúe los Servicios («Encuesta»). Para ello, recopilaremos y utilizaremos su dirección de correo electrónico. También recopilamos, utilizamos y divulgamos la información facilitada durante las Encuestas, como su experiencia al utilizar los Servicios, incluidos sus comentarios sobre el proceso y la atención al cliente. Información sobre su rango de edad, sexo, preferencias de pago, ingresos, etc. Podemos vincular la información recopilada en la encuesta con la información que ya tenemos sobre usted, como el tipo de tarjeta de pago que utilizó con la Solución de Splitit, el Vendedor al que compró, la ubicación del Vendedor, su ubicación, etc. Vincularemos la información mencionada anteriormente con la información que tenemos sobre usted (solo en la medida en que la tengamos) a fin de analizar y obtener información sobre las transacciones realizadas con nuestros Servicios y para mejorarlos. Podemos solicitar esta información nosotros directamente o nuestros proveedores de servicios que nos prestan servicios de encuestas a terceros.  Propósitos para los que podemos recopilar, usar o divulgar estos Datos personales y fundamento jurídico en virtud del RGPD - Cuando obtengamos su consentimiento, utilizaremos su correo electrónico para enviarle encuestas y, si procede, para enviarle vales o cupones. - En aras del interés legítimo de Splitit de administrar y mejorar nuestro Sitio web y nuestros Servicios, utilizaremos esta información para mejorar nuestro Sitio web y nuestros Servicios, comprender si hay dificultades o fallas en el proceso, analizar los Servicios, mejorar su experiencia, mejorar nuestro servicio de atención al cliente y su experiencia de usuario. - En aras del interés legítimos de Splitit para gestionar y mejorar nuestro Sitio web y mejorar nuestra experiencia de usuario, también recopilamos esta información para nuestras estadísticas y análisis, así como personalizar los Servicios para nuestros Consumidores. **_Periodos de conservación_** Salvo que nos indique lo contrario y con sujeción a la legislación aplicable, conservamos la información que recopilamos durante el tiempo necesario para prestar nuestros servicios y cumplir nuestras obligaciones legales, resolver litigios y hacer cumplir nuestros acuerdos, en su caso. No recopilamos ni utilizamos ni divulgamos a sabiendas ningún Dato personal incluido en categorías especiales de Datos personales (según se define en el RGPD). En caso de que tenga conocimiento de que hemos publicado o recopilado dichos datos en el Sitio web, infórmenos inmediatamente para que podamos tomar las medidas oportunas. Por último, cuando nos proporcione su consentimiento para llevar a cabo las actividades correspondientes anteriormente mencionadas, tenga en cuenta que puede retirar su consentimiento en cualquier momento poniéndose en contacto con [privacy@splitit.com](mailto:privacy@splitit.com) **_3\. ¿Splitit utiliza cookies?_** Sí, utilizamos archivos de datos como cookies, etiquetas de píxeles, «cookies flash» u otros archivos de almacenamiento local proporcionados por su navegador o aplicaciones asociadas. Utilizamos estas tecnologías con distintos fines, como reconocerle como usuario, personalizar nuestro Sitio web y nuestros Servicios, contenidos y publicidad, medir la eficacia de las promociones, ayudar a garantizar que la seguridad de su cuenta no se vea comprometida, mitigar los riesgos y prevenir el fraude, así como fomentar la confianza y la seguridad en nuestro Sitio web y nuestros Servicios. Estas cookies también nos ayudan a rastrear cómo los Visitantes usan el Sitio y nuestros Servicios. Lea nuestra [Política de cookies](https://www.splitit.com/legals/splitit-cookies-policy/spanish/) para obtener más información sobre las cookies que utilizamos. Puede permitir la instalación de todas las cookies o gestionarlas de forma individual ajustando sus preferencias. **_4\. ¿Compartirá Splitit mis Datos personales con terceros?_** NO VENDEMOS NI ALQUILAMOS NINGUNO DE SUS DATOS PERSONALES A TERCEROS NO AFILIADOS PARA SUS FINES COMERCIALES **.** 4.1. Los datos no personales, agregados y estadísticos o anonimizados de otro modo pueden compartirse sin limitación con terceros a nuestra discreción. Esta información no contiene Datos personales y se utiliza para desarrollar contenidos y Servicios para los Usuarios y Vendedor de nuestro Sitio web. 4.2. Respecto a los Datos personales del Vendedor **, cuando actuamos en calidad de encargados del tratamiento**, compartimos los Datos personales solo en las siguientes circunstancias limitadas: 4.2.1 con nuestras filiales y empresas vinculadas (consulte el Anexo A), como las subsidiarias, para proporcionarle información sobre productos y servicios que nosotros o estas consideremos que puedan ser de su interés, siempre que usted haya dado su consentimiento para compartirla; 4.2.2 con proveedores externos de confianza que nos ayudan con los servicios de «marketing», los servicios de encuestas y las plataformas que actúan en calidad de responsables de datos o en los que usted ha dado su consentimiento para que compartamos dichos datos; 4.2.3 según sea necesario para ayudar a detectar y prevenir posibles actos ilegales y fraudes, así como para guiar las decisiones sobre los productos, los servicios y las comunicaciones en función de nuestro interés legítimo en evitar acciones ilegales y fraudulentas. 4.3. Respecto a los Datos personales del Consumidor, **cuando actuemos en calidad de responsables del tratamiento**, consulte la política de privacidad del Vendedor. Podemos compartir datos, siguiendo las instrucciones de los vendedores y en su nombre, con procesadores de tarjetas de crédito, adquirentes, entidades bancarias, pasarelas de pago, prestamistas, terceros de confianza que nos ayudan a prestar los Servicios y llevar a cabo nuestros negocios, etc. Consulte la política de privacidad del Vendedor para obtener más información al respecto. **_5\. ¿Splitit transferirá mis Datos personales a nivel internacional?_** Los Datos personales pueden divulgarse a una entidad del grupo corporativo Splitit constituida en Israel (« **Splitit Israel**»). Los Datos personales se conservarán en servidores ubicados en EE. UU. Por tanto, sus Datos personales pueden almacenarse o tratarse en países en los que las leyes de protección de la intimidad prevean un nivel de protección de sus Datos personales distinto del que existe en su país de residencia. La Comisión Europea y las autoridades del Reino Unido han decidido que el Estado de Israel garantiza un nivel adecuado de privacidad y protección de datos, por lo que, de conformidad con el RGPD, la transferencia de Datos personales de la UE/Reino Unido a Israel está protegida en virtud de una decisión de adecuación de la Comisión Europea y no requiere ninguna autorización específica.  Nuestros servidores se encuentran en EE. UU. en el seno de proveedores que cumplen con el marco de privacidad de datos y, por tanto, la transferencia de Datos personales de la UE o el Reino Unido a EE. UU. también está protegida en virtud de una decisión de adecuación de la Comisión Europea y no requiere ninguna autorización específica. Cualquier otra transferencia de Datos personales que se originen en la UE o el Reino Unido a un tercer país (distinta de las mencionadas anteriormente a Israel y EE. UU.) se realizará de conformidad con la legislación aplicable, lo que incluye la provisión de las protecciones adecuadas o la aplicación de las salvaguardas apropiadas para garantizar la protección de los derechos de nuestros usuarios. Por ejemplo, pueden aplicarse las cláusulas contractuales estándar de la Comisión Europea. Puede obtener una copia de dicho contrato o pruebas de que se han aplicado o más información sobre nuestras prácticas y políticas con respecto a nuestro uso de proveedores de servicios y las jurisdicciones en las que se encuentran, mediante la información de contacto que se proporciona a continuación. **_6\. ¿Recibiré material promocional de Splitit?_** Si usted (por ejemplo, usuario del Sitio web) nos ha dado su consentimiento, podemos enviarle información sobre nuevos productos, funciones, actividades, servicios y anuncios o boletines periódicos. Puede darse de baja en cualquier momento de dichas comunicaciones: (i) utilizando la función de «cancelar suscripción» disponible en el mensaje; o (ii) enviándonos un correo electrónico a: [privacy@splitit.com](mailto:privacy@splitit.com) solicitando que se le excluya. **_7\. Personas menores de 16 años_** Nuestro Sitio web es un sitio web para el público en general, que no está dirigido a personas menores de 16 años. Si un progenitor o tutor tiene conocimiento de que su hijo(a) nos ha proporcionado Datos personales sin su consentimiento, debe ponerse en contacto con nosotros inmediatamente. No recopilamos ni solicitamos deliberadamente Datos personales de personas menores de 16 años. Si tenemos conocimiento de que una persona menor de 16 años nos ha facilitado Datos personales, eliminaremos dichos datos de nuestras bases de datos. Tenga en cuenta que en ciertas jurisdicciones se le puede prohibir el uso de la Solución de Splitit a menos que tenga 18 o 21 años. **_8\. Derechos de los usuarios respecto a los Datos personales_** Para aquellas actividades de tratamiento en las que actuemos como encargados del tratamiento y con sujeción a los requisitos legales aplicables, ofreceremos a las personas físicas la oportunidad de ejercer sus derechos en relación con sus Datos personales. Los derechos de las personas en virtud de las leyes de protección de datos y privacidad incluyen: - El derecho a **confirmar si conservamos o no sus Datos personales**. - El derecho a **acceder a sus** Datos personales y a recibir una **copia** de los Datos personales que tenemos. - El derecho a la **rectificación** de sus Datos personales. El derecho a solicitar el acceso a los Datos personales que tenemos sobre usted y rectificarlos si son inexactos, incompletos o no están actualizados. Si no le damos acceso a sus Datos personales o no aceptamos su solicitud de rectificación, le explicaremos los motivos.  Si no queda conforme con nuestra decisión o nuestros motivos, consulte el apartado 11.  Si accedemos a concederle acceso o a corregir sus Datos personales, lo haremos tan pronto como sea razonablemente posible tras la recepción de su solicitud y, en cualquier caso, dentro del plazo establecido en la legislación aplicable. - El derecho a **borrar** sus Datos personales. - El derecho a **restringir** el uso y la divulgación de sus Datos personales. - El derecho a **oponerse** a la recopilación, el uso o la divulgación de sus Datos personales. - El derecho a la portabilidad de los datos (es decir, a recibir los Datos personales que nos ha proporcionado en un formato estructurado, de uso común y legible por máquina, así como a transmitir esos datos a otro encargado del tratamiento). - El derecho a **presentar una queja ante una autoridad supervisora** (en caso de que resida en el Espacio Económico Europeo (« **EEE**») o Reino Unido). En particular, puede presentar una queja ante las autoridades supervisoras del Estado miembro de su residencia habitual, lugar de trabajo o donde se haya producido una presunta infracción de las leyes de protección de datos. Además, puede encontrar un enlace a la dirección de cada autoridad [aquí](https://edpb.europa.eu/about-edpb/about-edpb/members_en). - El derecho a **retirar el consentimiento**. Consulte nuestra [Política de derechos del usuario](https://www.splitit.com/legals/user-rights-policy/spanish/) en relación con sus derechos en virtud de la ley aplicable.  Puede ejercer cualquiera o todos los derechos anteriores en relación con sus Datos personales (incluida la solicitud de acceso o la corrección de los Datos personales que tenemos en nuestro poder) completando la solicitud de [derechos de los interesados](https://www.splitit.com/legals/splitit-privacy-policy/dsr-form/) (« **DSR**») y enviándola a nuestro equipo de privacidad a: [privacy@splitit.com](mailto:privacy@splitit.com).    Podemos solicitarle información adicional cuando se ponga en contacto con nosotros en relación con una DSR para (i) verificar su identidad; (ii) determinar las leyes aplicables en su caso; (iii) y localizar sus datos. Puede llevar tiempo tramitar las solicitudes de forma coherente con la legislación aplicable en materia de privacidad (por ejemplo, en virtud del RGPD, generalmente en el plazo de un mes). **_9\. ¿Cómo protege Splitit mis datos?_** Splitit implementa medidas para reducir los riesgos de pérdida de información y acceso o uso no autorizados de la información. Adoptamos prácticas de recopilación, almacenamiento y tratamiento de datos, además de medidas de seguridad adecuadas y generalmente aceptadas para proteger sus Datos personales contra el acceso, la alteración, la divulgación o la destrucción no autorizados {5}. En particular, su información de pago está protegida de conformidad con la norma PCI-DSS. Sin embargo, estas medidas no pueden proporcionar una seguridad absoluta de la información. Por tanto, si bien se realizan esfuerzos para asegurar su información personal, esto no está garantizado y usted no puede esperar razonablemente que el Servicio y sus bases de datos relacionadas sean inmunes a cualquier acto incorrecto, fallo, intercepciones o accesos no autorizados u otros tipos de abuso y uso indebido. **_10\. Leyes aplicables_** Las disposiciones incluidas en esta Política de privacidad se refieren a asuntos que pueden estar regulados en virtud del RGPD y, por tanto, se aplicarán solo al tratamiento de Datos personales (o información personal) que estén sujetos al RGPD de acuerdo con las disposiciones de aplicabilidad contenidas en el mismo. Además, la recopilación y el tratamiento de ciertos Datos personales por parte de Splitit pueden regirse por las leyes federales u otras leyes aplicables. **_11\. Preguntas, dudas o solicitudes de derechos relativos a la privacidad_** Si tiene alguna pregunta o duda o desea ejercer sus derechos en relación con las cuestiones de privacidad, envíenos un mensaje detallado a [privacy@splitit.com](mailto:privacy@splitit.com) y haremos todo lo posible por resolver sus dudas sin demora.  Splitit puede, en cualquier momento y cada cierto tiempo, modificar esta Política de privacidad. Las modificaciones de esta Política de privacidad se publicarán en el Sitio web, se le informará de ellas y serán efectivas a partir de la fecha en que se publiquen en el Sitio web. Si necesita una copia de esta Política de privacidad en un formato diferente, como un PDF o una copia impresa, póngase en contacto con nosotros en [privacy@splitit.com](mailto:privacy@splitit.com) y tomaremos las medidas razonables para atender su solicitud. **SUS DERECHOS RESPECTO A SU INFORMACIÓN PERSONAL** Puede ejercer cualquiera o todos los derechos anteriores en relación con su información personal completando el formulario DSR y enviándolo a nuestro equipo de privacidad a: [privacy@splitit.com](mailto:privacy@splitit.com). **CONTACTO** Si tiene alguna pregunta sobre esta Política de privacidad, puede contactar con nosotros de la siguiente manera: - Enviándonos un correo electrónico a: [privacy@splitit.com](mailto:privacy@splitit.com). - Por correo postal a: Splitit USA Inc., 5901 Peachtree Dunwoody Road, Suite C-480, Atlanta, GA 30328. **Anexo A** Splitit USA Inc. Splitit Ltd. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=p7hw63ljmtz3)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # Consumer Terms of Service (APAC) We are a retailer of goods or services that you are seeking to purchase (“ **us**”, “ **our**”, “ **we**” or **“Merchant”**).  These Consumer Terms of Service (this “ **Agreement**”) are between us and you, the cardholder, who is making the purchase (“ **you**” or “ **Buyer**”). This Agreement sets out the terms that apply when you select the option of paying for your purchase by instalments, using a payment card issued by a credit card issuer (“ **Issuer**”). The terms in this Agreement are in addition to our normal terms of business, including our return policy, and prevail to the extent of any inconsistency.  By choosing to make this purchase using instalments by selecting the “Splitit” payment option at the checkout page, you agree to be bound by this Agreement.  In order to process card payments by instalment, we are using a third-party technology service provided by Splitit Australia Pty Ltd (ACN 633 648 861) (“ **Splitit**” or “ **Service Provider**”).  You have not entered into any agreement or arrangement with Splitit. **How it Works**. By selecting the “Splitit” payment option at the checkout page, you authorize us to put an authorisation (or hold) on the card provided to us by you for the Total Sale Price (as defined below under **Authorisations**), however we will only charge the card provided over time in the number of payments and amounts that you selected at checkout (we call these payments “ **Instalments**“) (or as set out below in bold if we are unable to renew the authorisation). The date and amount of each Instalment is shown in a payment schedule at checkout before you complete your purchase and copy of the payment schedule is emailed to you shortly after you complete your purchase.  We will charge the first Instalment to your card when your order is completed (or later, if shipment is later, in accordance with the payment schedule).  Each subsequent Instalment is charged monthly, on the dates shown in the payment schedule, until the Total Sale Price is paid in full. As further described under the **Authorisations** section, your card is eligible for the “Splitit” payment option if there is available credit (or balance, in the case of a debit card) to support an Authorisation for the Total Sale Price and you are authorized to use the card to make the transaction. **If we are not able to renew an authorisation for the amount you owe by your next Instalment due date we may charge your card for the Total Sale Price, less the amount of any Instalments you have already paid.** When you make a purchase from us, you may have to pay other fees, costs or taxes that are not imposed by us (such as internet charges, fees and interest imposed by the Issuer or charges imposed by customs in your country). **IN PARTICULAR, PLEASE NOTE, AS INSTALMENT PAYMENTS ARE BEING CHARGED TO YOUR CARD, YOU MAY BE CHARGED INTEREST AND FEES OR OTHER CHARGES IMPOSED BY THE ISSUER UNDER THEIR AGREEMENT WITH YOU. THIS COULD INCLUDE LATE PAYMENT FEES, OVERDRAFT FEES, PERIODIC INTEREST, OR OVER-THE-LIMIT FEES. YOU ARE SOLELY RESPONSIBLE FOR THESE FEES.** **Authorisations**. If you provide a credit card to make payments, we may obtain an authorisation against your credit card for up to the total amount of your purchase (“ **Total Sale Price**”). An “authorisation” means that the available credit on your credit card will be reduced by the amount of the authorisation, in order to ensure you have sufficient available credit to make future payments. **You will likely not be able to use that amount of your credit line while the authorisation remains in place, subject to rules imposed by your Issuer.**  Even if your Issuer does not restrict the available credit, you must ensure that you have enough available credit to cover the full outstanding amount owed under this Agreement for your purchase at all times. To ensure we retain a valid authorisation against your credit card, we will renew the authorisation periodically using the credit card details provided at the time of purchase (or a subsequent credit card you provide). The amount of each authorisation will be reduced by Instalments already paid. It may take up to 5 days for the amount of the authorisation to be reduced after you make a payment. We will notify you by email approximately 24 hours before the authorisation is renewed. If any authorisation we seek to make against your credit card fails, we will contact you by email (using the email address you provided at checkout) to let you know. We may also contact you via SMS if you have authorized us to do so.  We will also keep attempting to get approval for the authorisation by submitting a request to your credit card periodically for up to 7 days.  You can provide us with a different eligible credit card to use for authorisations and Instalments via the consumer portal, using the unique link we email to you when you enter into this Agreement (“ **Portal**“).  By providing a new credit card, you authorize us to obtain authorisations for the remaining amounts owed under this Agreement, as set forth in this Agreement, and you further authorize us to charge this updated credit card for outstanding Instalments owed, when due under this Agreement. You also authorize us to charge or refund your credit card as necessary to correct any errors. **As noted above, if we are not able to renew an authorisation for the amount you owe under this Agreement by your next Instalment due date, we may charge your credit card for the Total Sale Price, less the amount of any Instalments you have already paid.** **Debit cards**. We may, but are not required to, allow you to use a debit card to complete your purchase. If you provide a debit card to pay Instalments under this Agreement, a temporary hold may be placed against your debit card for the Total Sale Price at the time of purchase, but we will only charge your debit card for your first Instalment payment at this time. The remaining amount of the hold, if applicable, will be cancelled in approximately 3 – 5 days after the date of your purchase, but processing times may vary depending on your bank. We will continue to charge your debit card, monthly, for the amount of each subsequent Instalment, on each Instalment date, until the entire amount due under this Agreement is paid. In the event that there are insufficient funds available on the debit card to pay any Instalment, we will notify you. **If any payment attempt is unsuccessful or returned to us unpaid, we may retry the payment attempt, unless prohibited by law.** **BY COMPLETING THIS PURCHASE, YOU PERMIT US TO TAKE AUTHORISATIONS (IF APPLICABLE) AND PAYMENT IN INSTALMENTS IN THE WAY DESCRIBED ABOVE AND CONTACT YOU IN CONNECTION WITH YOUR PURCHASE.** **Handling Card Payments and Notifications**. We use a third-party technology platform provided by Splitit to keep a record of payments you owe us and we use their platform to process authorisations and payments at the times we have agreed and to send notifications to you. You will see some of the emails say they are “powered by Splitit”. This should help you identify what payments we are contacting you about. You never enter into an agreement with Splitit. **Returns and Cancellations**. You may return the goods to us as set forth in our Return Policy.  We allow you to cancel this Agreement at any time by informing us in writing or by email or via the Splitit platform.  This Agreement may not be cancelled if you only tell us orally. If you give us notice that you want to cancel this Agreement, it will be terminated and all outstanding Instalments will become payable on the date of termination. You may need to provide additional information in connection with any notice of termination or cancellation in order for us to properly identify the Agreement that is being terminated.  We will send you an email following the completion of your purchase with details of how you can access information on your payments in a secure, password protected consumer portal.  There is information on how you can terminate the Agreement maintained on our website and through the secure, password protected consumer portal.  You can email our Service Provider at support@splitit.com. **Default**. We may declare you in default under this Agreement for any of the following reasons: (1) you fail to pay any Instalment by the due date and that failure continues for more than 10 days following receipt of notice from us to rectify the failure; (2) you breach any promise you make to us in this Agreement which significantly impairs your ability to pay or our ability to collect the amounts due under this Agreement and, if capable of being remedied, you fail to remedy that breach within 30 days following receipt of notice from us to rectify the breach; (3) you file for bankruptcy, or become subject to a proceeding which seeks relief from debt; (4) you have made a false or misleading statement about an important matter in connection with this Agreement and, where the circumstances giving rise to that false or misleading statement are capable of being remedied, you fail to remedy those circumstances within 30 days following receipt of notice from us specifying the false or misleading statement; or (5) you die or become legally incompetent. **Consequences of Default**. If we may declare you are in default under this Agreement in accordance with the paragraph above, we can require you to pay the remaining amount you owe us under this Agreement immediately,.  We may seek payment of this amount by charging your credit or debit card pursuant to any authorization you provided us under this Agreement. **Assignment**. You are hereby notified and agree that we may transfer, sell, or assign this Agreement, the Instalments, or any associated rights, to a third party, including Splitit or one of its affiliates without any further notification or consent to you. If we do so, this Agreement will remain in effect and will be binding on and will inure to the benefit of our assign(s). You may not transfer your rights under this Agreement and any attempt to do so will be void. **Governing law; Miscellaneous** This agreement (and our dealing prior to this Agreement being made) shall be governed by the laws of New South Wales, provided that you are entitled to the benefit of any mandatory consumer protection rules of the country of your primary residence.  All communications from us with you will be in English. The courts of New South Wales have jurisdiction to hear any disputes about this Agreement, including any question regarding its existence, validity or termination, unless you live in another part of Australia, in which case any disputes may be brought in that part of Australia. If any provision of this Agreement or portion thereof is held to be unenforceable, this determination will not affect the remainder of this Agreement. To the extent there are any conflicts between this Agreement and our normal terms of business, the provisions contained herein take precedence. **Using your information**. You will find a copy of our privacy policy on our website that you can review in connection with your purchase.  As Splitit handles our payment requests and instructions for us, they will handle your data and we will pass information between us.  You may obtain a copy of Splitit’s Privacy Policy by visiting their website at [www.splitit.com/legals/splitit-privacy-policy/english/](https://www.splitit.com/legals/splitit-privacy-policy/english/). We may share information about our transactions and interactions with you with Splitit and other affiliated companies. We may also share information about our transactions and interactions with unaffiliated third parties in connection with providing this service to you, including fraud detection services. However, the law may permit you to instruct us not to share this information with certain third parties. If you do not want us to share this information, you must notify us in writing or by email through our Service Provider at: support@splitit.com.  If you email us a notification, you must include your name, address, and the last four digits of your card number used in this transaction so that such a request can be honoured.  Do not include your full card details in this email. **Communications**. After completing your purchase, you will see some communications from us saying they are “powered by Splitit”. You will receive an email following the completion of your purchase with details of how you can access information on your payments in a secure, password protected Portal.  You are responsible for obtaining and maintaining all telecommunications, mobile, broadband, computer, hardware, software, equipment and services needed to access information about this Agreement or your payment method; viewing, saving and/or printing your account documents online; and receiving any messages or documents you have consented to receive electronically. Some of the communications between you and us or any of our affiliates, agents, assigns and service providers, may be monitored and recorded. You agree that we or our service providers may send e-mails to you at any e-mail address you provide us or use other electronic means of communication to the extent permitted by law. We are not required to act on any instruction or message from you provided by fax, SMS/text, telephone voice mail, message service or answering machine. Whenever this Agreement or applicable law requires or allows you to give us written notice, we will not consider SMS/text or fax to be written notice. You must notify us promptly of any changes to your e-mail address, phone number, mailing address, or other contact information by using the Platform or by emailing our Service Provider at support@splitit.com. **Who to contact about this Agreement.** Occasionally, you may require additional assistance in connection with this Agreement (for example, replacing payment method, number of outstanding Instalments, etc.). You may obtain information about your Agreement, including your remaining Instalments and your selected payment method through the Portal. You may also contact us through our Service Provider at support@splitit.com or +44-800-086-9112 for technical support and information about this Agreement. If you have any questions about the goods and services you purchased under this Agreement, please contact our customer services department through the information provided on our website. We clarify that we hired Splitit to provide certain services and you do not have any agreement with them.  Splitit cannot agree to any alternative arrangements other than to allow you to use a different card for the payment of any unpaid Instalments. In addition, Splitit does not have information regarding your relationship with the Issuer and accordingly cannot handle questions related to that arrangement. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=yw7w0c971f3)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # **USER RIGHTS POLICY** _Last updated: January 2021_ Splitit values the privacy rights of our Users. Thus, we have designed this user right policy (“ **User Rights** **Policy**”) as an overview of individuals’ rights the EU General Data Protection Regulation (“ **GDPR**”), which shall apply to you in the event you are a resident of the European Economic Area and the California Consumer Privacy Act of 2018 (“ **CCPA**“) which shall apply to you in the event you are in California for other than a temporary or transitory purpose or is domiciled in California. If you wish to submit a request to exercise any of your rights, please fill in the [Data Subject Request form (DSR)](http://splitit.localsite/wp-content/uploads/2022/06/Data-subject-request-form-Jan-2021.docx.pdf). Terms used herein and not defined shall have the meaning ascribed to them in the [Privacy Policy](http://splitit.localsite/legals/splitit-privacy-policy/english/). Please note that any [DSRs](http://splitit.localsite/wp-content/uploads/2022/06/Data-subject-request-form-Jan-2021.docx.pdf) submitted to us shall be processed by us in our capacity as a “Data Controller”. Please note that if you are an individual user of the Splitit solution (i.e. a Consumer as defined in the Privacy Policy) the “Data Controller” is the Merchant you purchased the product from. If we receive a [DSR](http://splitit.localsite/wp-content/uploads/2022/06/Data-subject-request-form-Jan-2021.docx.pdf) by a Consumer, we will notify the Merchant and will refer the Consumer to the relevant Merchant. We will act in accordance with the Merchant’s instructions in relation to Consumer requests. **_Under the GDPR_** **_Personal Information_** “ **Personal data**” is defined as any information relating to an identified or identifiable natural person; an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, email address, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person. Online identifiers may be considered as personal data, such as IP addresses, cookie identifiers, and radio frequency identification tags. Personal data also covers publicly available data. **_Your Right to Be Informed_** You have the right to be informed with the Company’s details (e.g. name, address, etc.), as well as why and how we process personal data. This right includes, among others, the right to be informed with the identity of the business, the reasons and lawful basis for processing personal data, and additional information necessary to ensure the fair and transparent processing of personal data (for specific information that must be provided to you please see [Exhibit A](https://docs.google.com/document/d/1SQyF4d-wR6ryWHj_6jFdsokJW0KOHqkd/edit#exhibit-a)). We provide this information in our [Privacy Policy](http://splitit.localsite/legals/splitit-privacy-policy/english/). **_Access_** You have a right to request us to confirm whether we process certain personal data related you, as well as a right to obtain a copy of such personal data, with additional information regarding how and why we use this personal data. After we receive such request, we will analyze and determine the veracity and appropriateness of the access request and provide you with the applicable confirmation of processing, including a copy of the personal data or a description of the personal data and categories of data processed, the purpose for which such data is being held and processed, and details about the source of the personal data if not provided by you. Our response detailed above will be provided within the period required by law (please see below). Please note, we may ask you to provide us with certain information to authenticate your identity. **_Rectification_** If personal data held by us is **not** **accurate or up to date**, you may require us to update such data so it is accurate. Further, in the event we have passed on incorrect information about you to a third party, you also have a right to ask us to inform those third parties of the applicable information should be updated. **_Erasure (“Right To Be Forgotten”)_** You have the right to require us to erase certain personal data, subject to fulfillment of specific conditions. We are required to comply with a request to exercise the right to be forgotten, and delete the requested personal data if: 1. the applicable personal data is **no longer needed** for the original purpose for which it was collected and in addition, there is no new lawful basis for continued processing; 2. the lawful basis for processing is consent and you request to withdrew such consent; 3. you have exercised your right to object to the processing of your personal data by us, and we have no overriding grounds for the processing of such personal data; 4. the personal data is processed by us unlawfully; or otherwise, the erasure of your personal data is necessary to comply with applicable laws. In addition, in the event we have passed on your personal data to a third party, you have the right to instruct us to request those third parties to erase such information. Please note that, this right to erasure is **not absolute**. We are entitled to reject your request to erase the data in the event that we find it (subject to applicable laws): 1. necessary to comply with legal obligations; 2. necessary to establish, exercise or defend legal claims; or 3. necessary for scientific purposes, etc. **_Object_** With regards to personal data processed by us under the lawful basis of our **legitimate interests**, you may object to our processing on such grounds. However, even if we receive your objection, we will be permitted to continue processing the personal data in the event that (subject to applicable laws and regulations): 1. our legitimate interests for processing override your rights, interests and freedoms; 2. the processing of such personal data is necessary to establish, exercise or defend a legal claim or right, etc. **_Restriction_** You may request to limit the purposes for which we process your personal data in the event that: 1. the accuracy of the data is contested; 2. restriction is requested instead of erasure where the processing is considered to be unlawful; 3. we no longer need the personal data for its original purpose, but the data is still required to establish, exercise or defend legal rights; or 4. consideration of overriding grounds in the context of an erasure request. **_Data Portability_** You may request us to send or “port” your personal data held by us to a third-party entity, however, solely when: 1. you have provided us the personal data; 2. it is processed automatically; 3. it is processed on the legal bases of either consent or fulfilment of a contract. **_Response Timing and Format_** We endeavor to respond to a verifiable request within one month. If we require more time, up to an additional two months, we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance. We do not charge a fee to process or respond to your verifiable request unless it is excessive or manifestly unfounded. If we determine that the request justify a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request. **Please submit a request by either:** - Filling in the DSR form available [here](http://splitit.localsite/wp-content/uploads/2022/06/Data-subject-request-form-Jan-2021.docx.pdf) - Emailing us at: [privacy@splitit.com](mailto:privacy@splitit.com) Site Address: [http://www.splitit.com/](http://www.splitit.com/) **_All of the User Rights Policy sections under the GDPR also apply to individuals under the CCPA except for the following exceptions:_** **_Personal Information_** “ **Personal Information**” is defined as information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. The categories of information become personal information if that information identifies, relates to, describes, is capable of being associated with, or could be reasonably linked, directly or indirectly, with a particular consumer or household. It does not cover publicly available information. **_Right to be informed_** The categories of personal information collected/sold/disclosed by us in the previous 12 months must be provided to you (for specific information that must be provided to you please see Exhibit A). **_Right of Access_** The right applies only to personal information collected in the 12 months prior to the request and we are not required to provide access to personal information more than twice in 12 months. **_Right to deletion_** Under the CCPA, there are no specific situations of deletion and no justifications needed for a deletion request. In addition to the exceptions enumerated under the EU Law, we are not required to comply with the right to deletion in the following circumstances: 1. to perform a contract between you and us; 2. detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for that activity; 3. debug to identify and repair errors that impair existing intended functionality; 4. to enable solely internal uses that are reasonably aligned with your expectations based on the our relationship with you; **_Response Timing and Format_** We endeavor to respond to a verifiable consumer request within 45 days. If we require more time, up to 90 days, we will inform you of the reason and extension period in writing. Under the CCPA the data request only applies to the 12 months prior to the request and not more than 2 requests in a 12 months period. **_Right to Opt Out_** Under the CCPA you have the right to opt out of the sale of personal information (“ **selling**” under CCPA relates to any disclosure, transfer, and selling of Personal Information for monetary or other valuable consideration). In the event we will sell Personal Information, we will provide you with information on how to exercise your right to opt-out (by providing an applicable “DO NOT SELL MY DATA” feature). **_Explicit Notice_** Under the CCPA a third party is prohibited from selling information about you that has been sold by us unless you have received explicit notice and provided the opportunity to opt out. **_Nondiscrimination_** You must not be discriminated for exercising any of your rights, including by: - denied goods or services; - charged different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties; - provided a different level or quality of goods or services; - suggested they will receive a different price or rate for goods or services. Under the CCPA we can set up incentive programs for providing financial incentives and you can opt-in to become part of them. **_Data Portability_** The CCPA’s right is limited to allowing you receive personal information, and it does not extend to having us transfer the information to another business **_._** ## **_Exhibit A_** **Information on the following must be provided to you:** - the categories of personal data processed; - the purposes of processing; - the existence of data subjects’ rights and the contact details of the data protection officer. **Under the EU Law:** 1. contact details of the data protection officer (to the extent required); 2. the lawful basis of the data controller or the third party to process your personal data; 3. the recipients or categories of personal data; 4. transfer of data to third parties; 5. data retention period; 6. the right to withdraw consent at any time; 7. the right to lodge a complaint with a supervisory authority. 8. when data is necessary for the performance of a contract, the possible consequences of not doing so; 9. the existence of automated decision-making including profiling, including the logic involved and consequences of such processing. **Under the CCPA:** 1. the categories of personal information collected; 2. the sources from which the information was collected; 3. the business or commercial purpose for collecting or selling the information; 4. categories of third parties with whom the business shares the information; 5. the specific pieces of personal information the business collected about the consumer. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=4tmni5royvc)# A solution that helps everyone sleep at night ![](https://www.splitit.com/wp-content/uploads/2024/10/batelle-cover.png) ### Meet Batelle [Batelle](https://batelle.com/) is a sleep solution for children under the age of 6, which operates on the belief that sleep is not something that parents should be forced to train their children to do, but something children should naturally choose. By working through the guidance of Sleep School, Batelle guarantees that parents will learn how to put their children to bed in under 5 minutes and they’ll be sleeping through the night by the end of the 2-week program. Graduates of Batelle’s Sleep School have a 97% success rate. The model is a 100% success guarantee – if parents complete the requirements during the 2-week timeline and don’t achieve the promise, they can get a full refund. Batelle partnered with Splitit in order to provide a flexible payment option that allows more families to access the program. ### +30% increase in conversion ### +15% MoM sales lift ![](https://www.splitit.com/wp-content/uploads/2023/05/pexels-cottonbro-3661357-scaled-1-683x1024.webp) ### Partnering with Splitit Batelle’s goal was to help parents access the support they need to improve their child’s sleep through a flexible payment plan that fits their needs. “We were seeking a solution that allows our customers to pay overtime in monthly installments,” Daniel Frazer, Batelle CFO, says. “Many alternative payment partners have limits on the quantum, limits on the number of installments, impose interest charges upon customers or do not have the ability to receive the cashflows quickly.” When searching for a solution, Batelle had a list of non-negotiables: - Receive funds in the month of the sale - Offer a 12+ month installment payment schedule - Interest-free option - Support high Average Order Values - International capabilities - Easy set-up and integration Splitit ticks all these boxes. Parents can use their credit card to fund their Splitit installment payment plan for the $1,500 Sleep School package. A pre-authorized hold will be placed on their card, which will automatically be reduced with each monthly payment. They have the option to choose to pay over a flexible period of time, based on their budget. Because they are leveraging their existing credit card, there’s no impact to their credit score, no interest, and no fees (their standard credit card terms and conditions still apply). Find out [how Splitit works](https://www.splitit.com/merchants/products/e-commerce/). ![](https://www.splitit.com/wp-content/uploads/2023/05/Rectangle.webp) ### Effortless onboarding As well as allowing Batelle to achieve all payment objectives, Splitit stood out from the BNPL crowd thanks to easy implementation. Frazer says the process was simple to add Splitit onto the company’s existing platform: “It was very straightforward, as SplitIt integrates into our Shopify store.” As well as a smooth technical onboarding process, Frazer notes that Batelle continues to feel supported by the team: “Splitit also has great resources and support for how to establish and connect the payment gateways into our existing infrastructure.” As a [white-label solution](https://www.splitit.com/blog/why-splitit-launched-a-white-label-solution/), Batelle also has the option to integrate Splitit into its own branding, to create a seamless customer experience. ![](https://www.splitit.com/wp-content/uploads/2023/05/Blue_Hug.jpeg) ### How Splitit supports Batelle’s growth By working with Splitit, Batelle has been able to reach more parents who need support with their child’s sleep, while allowing the business to organize their internal finances in a way that supports their ongoing strategy. “Splitit enables us to offer our product to a wider range of consumers, enabling sales growth whilst allowing us to optimize working capital,” Frazer says. This translates to a conversion lift of 30%. And in the last 6 months alone, Frazer reports that sales through Splitit have grown 15% month-over-month, indicating an upward trend. “Splitit has been an instrumental partner in enabling us to expand our market presence,” Frazer says. While Batelle also currently offers customers the option to checkout with Affirm, Frazer says Splitit tends to be the preferred option, as customers would rather not pay additional fees for their BNPL solution. [Learn more about Splitit Vs Affirm](https://www.splitit.com/blog/splitit-vs-affirm-what-are-the-differences/) ![](https://www.splitit.com/wp-content/uploads/2023/05/image11.webp) ### Everyone sleeps better with Splitit Adding Splitit to Batelle’s payment experience benefits customers and the business, allowing for growth across a variety of levels. “I would recommend SplitIt to any organization looking to offer a buy now pay later solution, they are flexible and able to adjust to meet our needs,” Frazer says. Parents can choose how they want to pay for Batelle’s program, Batelle is able to grow its customer base, and more children get access to Sleep School – which means everyone can rest a little easier at night. “Splitit allows us to reach customers who would otherwise be unable to purchase and attain a sleep solution for their child.” Frazer says. If you want to help your customers access the benefits of Splitit’s flexible installment-payment solution, [reach out to us today](https://www.splitit.com/contact-sales/). ## Want to find out how Splitit can help your business grow like Batelle? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=g80wvm2nc2vv)# Splitit has an instant impact on GemsNY’s business +45% sales +25% average order value +16% conversion rate ![](https://www.splitit.com/wp-content/uploads/2024/10/gemsny-with-logo.jpg) “ “Splitit is such a different concept than anything else out there. I don’t know why more retailers aren’t taking advantage of what they have to offer.” ![](https://www.splitit.com/wp-content/uploads/2022/01/gemsny-spslitit-ring.jpg) ### Can you tell us about your company GemsNY? GemsNY is an online diamond and jewelry retailer with one brick and mortar shop located in New York City. We are also wholesalers, which means that we own our entire inventory of gems – all certified at the best prices. 2020 was a busy year for us. We dove head first into making our website cleaner and easier to use while adding many new features. We also offer lifetime warranties and guarantees for our customers’ benefit, including free shipping and easy returns for a truly risk free shopping experience. ## Tell us about your search for an installment payment solution, and why you chose Splitit? Often, shoppers are seeking a pay over time option for higher priced items, like jewelry. We used to offer in-house financing, but wanted to shift to a third party solution so we could refocus that time on selling gems. We began our search by looking at traditional financing companies, and were actually in the process of signing with one of these companies, when we came across Splitit. The Splitit solution checked all our requirements, especially supporting our high average order values (AOV). Splitit was an ideal option right from the start that resonates very well with our customers. With Splitit, they can pay using their existing credit card over 12 months, there is never any interest or additional fees, and they do not have to go through a lengthy application process. Implementing Splitit was a breeze and took less than a week to get up and running. ## How has Splitit helped you grow your business? With Splitit, we have seen definitive growth in our business. When we compare our data to the previous year, we have seen a 25% increase in our average order value (AOV), a 16% increase in conversion rate, and a 45% increase in sales. We believe these numbers will continue to grow over time with our continued partnership. ## Want to find out how Splitit can help your business grow like GemsNY? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=9hw497bbh01e)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # Hong Kong – Traditional Chinese 消費者服務條款（亞太區條款） 我們是閣下想購買之商品或服務的零售商（下稱「 **我們**」、「 **我們的**」或「 **本公司**」）。本協議是我們與進行購買的持卡人之間訂立的協議（下稱「 **閣下**」）。 閣下已表示希望向本公司進行購買。此購買行為須受一般的商業條款以及這些附加條款的約束，並在雙方之間訂立「 **購買協議**」。閣下已表示希望使用核發給閣下的付款卡進行支付，此等支付行為會透過 Splitit Australia PTY Ltd（見下文）提供的服務進行。 在結帳頁面選擇「 **Splitit**」付款選項，即代表我們同意將按照閣下在結帳時選擇的付款次數（我們稱為「 **分期付款**」）從符合條件的付款卡扣除付款金額。我們會在閣下完成訂購前，在網站上顯示我們每期將收取的金額，並會在閣下完成訂購之後，經由電郵立即寄送相關資料給閣下。第一期款項會在閣下完成訂單時收取（如果送貨時間延遲，我們可能會稍後再收取；但無論如何，我們都會在閣下訂購後的28天內收取首期款項）。隨後每期款項都會按月收取，直至此購買協議中的全部款項全數繳清為止。 本公司或 Splitit 均不會因閣下選擇此付款方式而向閣下收取任何利息或額外費用。不過，按照法律規定，我們必須提醒閣下，閣下可能需要支付並非由我們收取的其他稅款或費用（例如，上網費用或由閣下所在國家/地區之海關徵收的費用）。 請特別注意，由於款項會從閣下的付款卡扣除，發卡機構可能會按照其協議向閣下收取利息或費用。倘若閣下的付款卡餘額不足以繳付我們按照協議所收取的金額，則可能會產生遲繳費用或超逾信用限額費用。 倘若閣下使用信用卡繳付分期付款的款項，我們可能會在訂購時要求取得閣下信用卡的預先授權，金額為購買協議的總金額。預先授權表示閣下信用卡之可用信用額度的一部分（即購買協議的總金額）將會凍結，以確保將來能夠順利支付相關款項。這表示我們能夠根據購買協議的規定收取相應的訂購總價（或者已到期而尚未繳付的任何金額），此預先授權金額將會按時間逐步減除。為確保我們就向閣下提供的商品和服務而獲得閣下信用卡的有效預先授權，我們將會提交閣下結欠金額的預先授權，使用訂購時提供的信用卡詳細資料，每 21 天更新一次預先授權金額。我們會在著手更新預先授權的 7 天通知閣下。 閣下的信用卡發卡機構將會從閣下的信用卡凍結我們已進行預先授權的金額，因此，只要我們的預先授權金額仍然有效，閣下便無法動用這部分的信用限額。即使發卡機構釋放信用卡限額，閣下仍需確保信用卡有足夠的可用資金，以繳付閣下在此購買協議中對本公司的全額欠款（不包括閣下已經繳付給我們的總額）。 倘若我們對閣下信用卡的任何預先授權出現失敗情況，我們將會透過電郵通知閣下。在接下來的 7 天內，我們會每天提交一次申請，以繼續嘗試獲得預先授權交易批准。閣下可以向我們提供另一張有效及接納的信用卡，以取代原卡進行預先授權和付款。之後，我們將會使用此信用卡提交款項的預先授權並進行其後的結算。  **如果我們無法按照上述流程更新閣下在此購買協議中欠款的預先授權，我們將會根據對信用卡的上一次預先授權內容，提交一份付款申請，其金額為購買總價減去已按時間繳付的分期款項。** 如果閣下提供扣帳卡作為購買協議的付款方式，我們在訂購時可能會對該扣帳卡進行首次預先授權，並會在最多 5 天內撤銷此授權。之後不會再對閣下的扣帳卡進行預先授權。與使用信用卡的做法相同，我們會繼續按月從扣帳卡中收取分期付款的款項，直至此購買協議中的全額均已繳清。如果該扣帳卡餘額不足，我們將會通知閣下，並在遵守相關法例的情況下，使用閣下之前提供的扣帳卡詳細資料繼續嘗試收取欠款。 **如果扣款不果，我們將會根據閣下目前在我們記錄中的扣帳卡詳細資料，提交一份付款申請，其金額為購買總價減去已按時間繳付的分期款項。** 閣下可以隨時向我們提供另一張有效的扣帳卡，以取代原卡支付其後的分期款項。 **完成訂購，即代表閣下允許我們按照上述方式進行預先授權（如適用）和收取分期款項，並就購買協議的相關事宜與閣下聯絡。** 我們將會從閣下訂購時提交的信用卡或扣帳卡收取每筆分期款項。在繳付最後一筆分期款項之前，閣下有責任確保： - 此付款卡仍然有效，而且不會被取消。 - 閣下的付款卡上有足夠餘額進行預先授權（如適用）和繳付所有結欠的分期款項。 如果閣下的信用卡或扣帳卡已更換、取消或因其他原因而失效（付款卡失效後，我們按照購買協議提交的預先授權或扣款就會失敗），我們可以從另一張付款卡來收取分期款項。  我們將與閣下聯絡，而閣下必須立即登入 Splitit 平台，並提供新的或不同的付款方式，或提供另一張付款卡的詳細資料，以便繳付剩餘的欠款。  如果閣下未能提供其他付款方式，本購買協議將會立即終止，而購買協議中的所有結欠款項都會立即到期，並需立即支付。 根據法律規定，自閣下訂購日起 14 天內，閣下可以取消本購買協議（此權利與閣下取消購買協議的任何權利不同，後者的詳情載於本網站）。在此之後，從閣下通知我們退貨開始，還有額外 14 天的時間可以取消協議。在任何情況下，閣下都可以透過書面文件、電郵或 Splitit 平台隨時通知我們取消此購買協議。  恕不接受透過口頭溝通取消此購買協議。如果閣下通知我們想取消此協議，則該協議將會立即終止，所有結欠的分期款項都將立即到期。閣下可能需要提供與終止或取消通知有關的其他資料，以便我們正確識別需要終止的購買協議。完成訂購後，我們將會向閣下寄送一封電郵，當中詳細說明了閣下如何使用安全以及受密碼保護的消費者入口網站存取付款資料。閣下可在我們的網站或透過安全以及受密碼保護的消費者入口網站，查閱有關終止 Splitit 付款協議的詳細資料。閣下可以電郵至 support@splitit.com 通知我們。 **處理付款事宜** 我們使用第三方技術平台記錄閣下在此購買協議中結欠我們的款項，並且使用該平台按我們同意的規定提交預先授權申請和扣款申請。該公司的名稱為 Splitit Australia PTY Ltd，其地址為 Coghlan Duffy & Co, Level 42, Rialto South Tower, 525 Collins Street, Melbourne, Victoria, 3000 Australia。閣下不會與 Splitit 簽訂協議。 我們使用該公司的技術平台來監控閣下需要支付的金額以及應付款的時間，並向閣下寄送通知。閣下會看到「由 Splitit 提供技術支援」等字眼，有助閣下識別我們要與您討論的付款事宜。 謹此通知閣下，就 Splitit 所提供的服務而言，我們可能會向 Splitit、其聯屬公司或另一間第三方公司出售和轉讓該分期付款及相關權利。在某些情況下，Splitit 或其他服務提供者可能會代替我們直接獲得預先授權和分期付款。不過，如果出現這種情況，閣下在此購買協議下的權利不會受到影響。 **適用法律；其他內容** 此協議（以及我們在此協議簽訂之前所達成的交易）受新南威爾士州的法律管轄，前提是閣下有權享受主要居住國家/地區的任何強制性消費者保護條例的權益。我們與閣下之間的所有溝通都會以英語進行。對於因此購買協議而引起或與之相關的任何糾紛、爭議或索償（包括與該協議的存續、效力或終止相關的任何疑問），新南威爾士州法院擁有專屬管轄權。 倘若此購買協議中的任何條款或部分內容不能執行，此決定不會影響到本購買協議中其餘內容的執行。 **使用閣下的資料** 閣下可在我們的網站上查閱我們的私隱政策。在購買時，網頁將會向閣下顯示相關內容。由於 Splitit 負責為我們處理付款請求和指令，他們將會處理閣下的資料，而我們也會透過該公司傳遞資訊。閣下可瀏覽他們的網站，並取得 Splitit 私隱政策的副本，網址為 [https://www.splitit.com/legals/splitit-privacy-policy/english/](https://www.splitit.com/legals/splitit-privacy-policy/english/).   我們和 Splitit 可能會與閣下和其他聯屬公司分享有關我們交易和體驗的資料。我們可能會與閣下和獨立的第三方（包括信貸評級機構、其他債權人以及欺詐偵測服務提供者）分享交易和體驗的相關資料。 但是，除非法律許可，否則如果閣下指示我們不要分享從信貸申請、消費者報告以及任何第三方獲取的資料，則我們和 Splitit 都不會與我們的聯屬公司分享此等資料。倘若閣下希望我們不要分享此等資料，必須透過書面形式通知我們（我們將為閣下提供此操作的詳細流程），或電郵至 support@splitit.com 通知我們。如閣下透過電郵通知我們，則郵件中必須列明閣下的姓名、地址、帳號以及閣下在此交易中所用卡號的最後四位數字，以便我們及時處理閣下的要求。請勿在此電郵中列出付款卡的完整詳情。  我們可能會向信貸評級機構報告此協議的資料。 **協議相關事宜的聯絡人** 閣下或需其他協助來履行此購買協議（例如，更換付款方式、結欠的分期款項期數等）。Splitit 的網站提供了相關資料（ [www.splitit.com](https://www.splitit.com/)）、電郵地址（support@splitit.com）和聯絡電話，閣下可以透過這些渠道解決與我們所用技術平台有關的問題。但我們需要澄清，我們雇用 Splitit 來提供某些服務，閣下與該公司之間不存在任何協議。除了上述為使用不同付款卡所定下的規定之外，他們不能就任何替代的付款處理方法與閣下達成協議。此外，他們不了解閣下與發卡機構之間的關係，因此無法處理與之相關的問題。  如果閣下對本公有欠款，並希望與我們商討，請在我們的網站上聯絡客戶服務部。 如果此購買協議與我們的標準條款與細則有任何抵觸之處，則以本協議之條款為先。 Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=nkv5n1ldgao)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # United States ## Copyright Notices _Last Update: December, 2018_ The works of authorship contained in the Splitit Website (the “Website”), including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by Splitit or one of its affiliates. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without Splitit’s prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of Splitit’s proprietary rights provided that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded. **Trademark Notices** Splitit is the marketing name for certain financial services activities of Merchants and Splitit. Other featured words or symbols, used to identify the source of goods and services, may be the trademarks of their respective owners. **Web Content and Materials** The information on this Website is for information purposes only. It is believed to be reliable, but Splitit does not warrant its completeness, timeliness or accuracy. The information and materials contained in this Website – and the terms of use of the access to and use of such information and materials – are subject to change without notice. Products and services described, as well as, associated fees, charges, interest rates, and balance requirements may differ among geographic locations. Not all products and services are offered at all locations. General Website Terms of Use **GENERAL WEBSITE TERMS OF USE** **PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS OF USE BELOW. THESE TERMS OF USE ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS OF USE POSTED TO THIS WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, PLEASE DO NOT ACCESS THIS WEBSITE.** These Terms of Use of the Splitit Website (“Terms of Use”) explain a contractual agreement between you (“you”, “your”), on one hand, and Splitit USA Inc. (“Splitit”) and any Merchant who offers the Splitit Services (collectively, a Merchant and Splitit, Inc. are referred to as Splitit, we, us, “our”) on the other hand, regarding your use of this web site (“Website”) and access to your Splitit account information or Splitit Services through the Website.  Unauthorized use of Splitit’s Websites and systems including but not limited to unauthorized entry into Splitit’s systems, misuse of passwords, or misuse of any information posted to a site, is strictly prohibited. You acknowledge that Splitit may disclose and transfer any information that you provide through this Website to (i) any Merchants and its affiliates, agents, service providers (including Splitit Israel.), or information providers; (ii) to any other person or entity with your consent; or (iii) if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. You consent to the transmission, transfer or processing of such information to, or through, any country in the world, as we deem necessary or appropriate (including to countries outside the EEA), and by using and providing information through this Website you agree to such transfers. Use of this Website may be monitored, tracked and recorded. Anyone using this Website expressly consents to such monitoring, tracking and recording. Furthermore, your use of this Website signifies your agreement to our Privacy Policy, which is incorporated herein by reference and which may also change from time to time. Any purported amendment to these Terms of Use by you must be agreed to by Splitit and Merchant in writing. **Copyright Notices** The works of authorship contained in the Splitit Website (the “Website”), including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by Splitit or one of its affiliates. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without Splitit’s prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of Splitit’s proprietary rights provided that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded. **Trademark Notices** Splitit is the marketing name for certain financial services activities of Merchants and Splitit.  Other featured words or symbols, used to identify the source of goods and services, may be the trademarks of their respective owners. **Web Content and Materials** The information on this Website is for information purposes only. It is believed to be reliable, but Splitit does not warrant its completeness, timeliness or accuracy. The information and materials contained in this Website – and the terms of use of the access to and use of such information and materials – are subject to change without notice. Products and services described, as well as, associated fees, charges, interest rates, and balance requirements may differ among geographic locations. Not all products and services are offered at all locations. The Terms and Conditions for your Splitit account are mailed with your first statement. You may also call e-mail us at [info@splitit.com](https://web.archive.org/web/20181008134108/mailto:info@Splitit.com) to request an official copy of the terms and conditions that pertain to your account. In addition, certain portions or pages of this Website are subject to additional disclosures and disclaimers. In the event of a conflict between those disclosures and disclaimers, and these terms of use, the additional disclosures and disclaimers will govern for those portions or pages. You agree that (i) you will not engage in any activities related to the Website that are contrary to applicable law, regulation or the terms of any agreements you may have with Splitit; (ii) in circumstances where locations of the Website require identification, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals; (iii) you will not use any device, software, routine, file or other tool or technology, including but not limited to any viruses, trojan horses, worms, time bombs or cancelbots, intended to damage or interfere with the proper working of this Website or to surreptitiously intercept or expropriate any system, data or personal information from this Website; and (iv) you will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure, including but not limited to denial of service attacks, “spam” or any other such unsolicited overload technique. **SPLITIT OR ITS SUPPLIERS MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS OR SERVICES DESCRIBED HEREIN AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND SPLITIT DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. SPLITIT RESERVES THE RIGHT TO TERMINATE ANY OR ALL WEBSITE OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO THE USER. FURTHERMORE, BY OFFERING THIS WEBSITE AND INFORMATION, PRODUCTS OR SERVICES VIA THIS WEBSITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY SPLITIT TO ANY PERSON TO USE THE WEBSITE OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THE WEBSITE AND SUCH INFORMATION, PRODUCTS OR SERVICES IS PROHIBITED BY LAW.** **Disruption of Service** Access to the Website may from time to time be unavailable, delayed, limited or slowed due to, among other things: - hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment; - software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content; - overload of system capacities; damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters; - interruption (whether partial or total) of power supplies or other utility of service; - strike or other stoppage (whether partial or total) of labor; - governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; or - any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of Splitit. **Links to Other Sites** Links to non-Splitit websites are provided solely as pointers to information on topics that may be useful to the Websites, and Splitit has no control over the content on such non-Splitit websites. If you choose to link to a website not controlled by Splitit, Splitit makes no warranties, either express or implied, concerning the content of such website, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Splitit warrant that such website or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. Splitit does not guarantee the authenticity of documents on the Internet. Links to non-Splitit websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such websites. Software Licensing Agreement **BY CLICKING THE ACCEPTANCE BUTTON AND INSTALLING THE SPLITIT SOFTWARE YOU ARE CONSENTING TO BE BOUND BY AND ARE BECOMING A PARTY TO THIS AGREEMENT AND AGREE TO AND ACCEPT ALL THE TERMS AND CONDITIONS OF THIS AGREEMENT** **SPLITIT RESERVES THE RIGHT TO MODIFY THIS EULA AS NEEDED IN ITS SOLE DISCRETION. THE EULA IN EFFECT AT THE TIME MERCHANT DOWNLOADED THE SPLITIT SOFTWARE WILL GOVERN MERCHANT’S USE OF IT, UNLESS WE OBTAIN MERCHANT’S CONSENT OTHERWISE. MERCHANT’S CONTINUED USE OF THE SPLITIT SOFTWARE AFTER A CHANGE TO THE EULA HAS BEEN BROUGHT TO MERCHANT’S ATTENTION WILL CONSTITUTE MERCHANT’S ACCEPTANCE OF THE CHANGES AND THE REVISED EULA. IF MERCHANT DOES NOT AGREE THAT THIS AGREEMENT IS ENFORCEABLE, DO NOT USE THIS SPLITIT SOFTWARE.** 1. **LICENSE GRANT** **1.1. Non-Exclusive License for the Splitit Software.** During the Term of your Merchant Agreement, you are hereby granted a non-exclusive, non-transferrable, limited right to use the Splitit Software, so long as you are current in paying all applicable Fees in accordance with such Merchant Agreement subject to the restrictions contained herein and restrictions communicated to you in the future by us. Merchant acknowledges the Splitit Software under said Merchant Agreement is subject to a patent issued to Splitit by the United States Patent and Trademark Origination on July 4, 2013, as Patent number 8290864, and is further subject to a patent published by the World Intellectual Property Organization on October 4, 2014, as application number, WO/2014/053920. **1.2. Ownership.** Merchant shall not obtain title, copyrights or any other proprietary right to the Splitit Software. At all times, Splitit retains all rights to the Splitit Software, including but not limited to updates, enhancements and additions. **1.3. Use of the Splitit Software.** Merchant’s use of the Splitit Software shall be limited to that expressly authorized by Splitit. Splitit’s suppliers and vendors are intended third-party beneficiaries of the Merchant Agreement to the extent of any terms herein pertaining to such suppliers’ ownership rights; such suppliers have the right to rely on and directly enforce such terms against Merchant. Merchant shall use and operate the Splitit Software only for the Splitit Services. **1.4. Use of Trademarks.** Except as authorized in this Merchant Agreement, you shall not take any actions inconsistent with Splitit’s ownership of Splitit Software, Splitit’s Trademarks and any associated registrations or attack the validity thereof. You shall not use the Splitit Software or our Trademarks in any manner that would indicate that you are using such Splitit Software or our Trademarks other than as a licensee nor assist any third party do the same **1.5. Compliance with Laws.** You agree that you will comply, at your own expense, with all applicable laws, regulations, rules, ordinances and orders of governmental authorities having jurisdiction over such matters. You shall not use the Splitit Software in any manner, or in furtherance of any activity that may cause us to be subject to investigation, prosecution or legal action. We reserve the right to amend, modify or change our policies, procedures and guidelines, and you shall comply with all of our then current policies, procedures and guidelines governing the Splitit Software. **1.6. Splitit Software Service and Maintenance.** Merchant will promptly notify Splitit of any failure or other incident resulting in the loss of use of the Splitit Software or need for repair or maintenance, whereupon Splitit will use commercially reasonable efforts to repair or make the necessary arrangements to obtain required maintenance. Merchant shall cooperate with Splitit in its attempt to diagnose any problem with the Splitit Software. In the event Merchant’s Splitit Software requires additional Software, Merchant is obligated to cooperate with Splitit to achieve service restoration. Merchant acknowledges that Splitit does not warrant that any such repair or maintenance efforts will be successful. If Splitit efforts are not successful, Merchant may terminate this Agreement in accordance with Section 3. THE FOREGOING SHALL CONSTITUTE YOUR SOLE REMEDY, AND OUR SOLE LIABILITY, FOR INTERRUPTIONS, OUTAGES OR OTHER DELAYS IN THE SPLITIT SOFTWARE. 2. **NO ASSIGNMENT; NO TRANSFER** You agree not to transfer or assign the Splitit Software and/or this Agreement to another party without the prior written consent of Splitit. If such consent is given and you transfer or assign the Splitit Software and/or this Agreement, then you must at the same time either transfer any copies of the Splitit Software and Documentation to the same party or destroy or return to Splitit any such materials not transferred. Except as set forth above, you may not transfer or assign the Splitit Software or rights under this Agreement. 3. **NO MODIFICATION; NO REVERSE ENGINEERING** Merchant shall not disclose the Splitit Software to any party, convey, copy, license, sublicense, modify, translate, reverse engineer, decompile, disassemble, tamper with, create any derivative work based or otherwise attempt to discover the source code or trade secrets of the Splitit Software or related technology, or to assist someone in performing any of the above prohibited acts. 4. **IMPORT/EXPORT RESTRICTIONS** Merchant agrees that the Splitit Software (or any copies thereof) will not be shipped, transferred or exported into any country or used in any manner prohibited by the United States Export Administration Act or any other export laws, restrictions or regulations (collectively the “Export Laws”). In addition, if the Splitit Software is identified as export controlled items under the Export Laws, Merchant represent and warrants that Merchant is not a citizen, or otherwise located within, an embargoed nation (including without l imitation Iran, Iraq, Syria, Sudan, Libya, Cuba, North Korea, and Serbia) and that Merchant is not otherwise prohibited under the Export Laws from receiving the Splitit Software. All rights to use the Splitit Software are granted on condition that such rights are forfeited if Merchant fails to comply with the terms of this EULA. 5. **TERM AND TERMINATION** This license will be continue from the date of the Merchant Agreement, so long as you are current in paying all applicable Fees as defined in the Merchant Agreement subject to the restrictions contained herein and restrictions communicated to you in the future by us. You may terminate this license at any time by destroying the Splitit Software together with all copies and merged portions in any form. This EULA will also terminate immediately if you fail to comply with any term or condition of this EULA, the Merchant Agreement, file for bankruptcy, or are placed in receivership. Upon such termination, you agree to destroy the Splitit Software, together with all copies thereof. You agree not to be entitled to a refund of any applicable fees upon early termination of this EULA. 6. **GOVERNING LAW; ARBITRATION** **6.1 Governing Law.** This EULA and performance under it will be interpreted, construed and enforced in all respects in accordance with the laws of the State of New York, without reference or giving effect to its conflicts of law principles, or any other conflicts of law principles under the United Nations Convention on Contracts for the International Sale of Goods (“CISG”), the application of which is expressly excluded. All claims shall be resolved on an individual basis without resort to any form of class action and not consolidated with the claims of any other parties. Merchant hereby irrevocably consents to the personal jurisdiction of and venue in the state and federal courts located in New York County, in the State of New York, with respect to any action, claim or proceeding arising out of or related to this Merchant Agreement and expressly agrees to the exclusive jurisdiction of such courts and that Merchant will not commence or prosecute any such action, claim or proceeding other than in such courts, except as otherwise provided herein. MERCHANT WAIVES TRIAL BY JURY WITH RESPECT TO ANY LITIGATION ARISING OUT OF OR RELATING TO THIS MERCHANT AGREEMENT. **6.2. Arbitration.** Any dispute or claim arising out of or relating to this Merchant Agreement, except claims involving intellectual property and claims for indemnification, will be resolved by binding arbitration. The arbitration of any dispute or claim shall be conducted in accordance with the American Arbitration Association (“AAA”) rules, as modified by this Merchant Agreement, and will take place in New York, New York. This Merchant Agreement evidences a transaction in interstate commerce and this arbitration provision will be interpreted and enforced in accordance with the Federal Arbitration Act and federal arbitration law. An arbitrator may not award relief in excess of or contrary to what this Merchant Agreement provides or order consolidation or arbitration on a class wide or representative basis, except that the arbitrator may award on an individual basis damages required by statute and may order injunctive or declaratory relief pursuant to an applicable consumer protection statute. Any arbitration shall be confidential, and neither Party may disclose the existence, content or results of any arbitration, except as may be required by law or for purposes of enforcement of the arbitration award. Judgment on any arbitration award may be entered in any court having proper jurisdiction. All administrative fees and expenses will be divided equally between the Parties, but each Party will bear the expense of its own counsel, experts, witnesses and preparation and presentation of evidence at the arbitration. IF FOR ANY REASON THIS ARBITRATION CLAUSE IS DEEMED INAPPLICABLE OR INVALID, THE PARTIES WAIVE, TO THE FULLEST EXTENT ALLOWED BY LAW, ANY RIGHT TO PURSUE ANY CLAIMS ON A CLASS OR CONSOLIDATED BASIS OR IN A REPRESENTATIVE CAPACITY. No action, regardless of form, arising out of or in conjunction with the subject matter of this Merchant Agreement, except for claims involving intellectual property and claims for indemnification, may be brought by either Party more than one (1) year after the cause of action arose. **6.3 Attorney’s Fees.** Should it be necessary for Splitit to defend or enforce any of its rights under this EULA in any collection or legal action, Merchant agrees to reimburse Splitit, as applicable, for all costs and expenses, including reasonable attorney’s fees, as a result of such collection or legal action. Without limiting the generality of the foregoing, Merchant agrees to reimburse Splitit, as applicable, for all costs and expenses, including reasonable attorney’s fees, incurred by Splitit in enforcing or defending its rights under this EULA, without regard to whether there has been an adjudication on the merits in any such action. 7. **NO WARRANTIES** THE SPLITIT SOFTWARE IS PROVIDED TO YOU ON AN “AS IS” BASIS WITHOUT ANY WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF TITLE, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. TO THE FULL EXTENT PERMITTED BY LAW, THE DURATION OF STATUTORILY REQUIRED WARRANTIES, IF ANY, SHALL BE LIMITED TO THE ABOVE LIMITED WARRANTY PERIOD. MOREOVER, IN NO EVENT WILL WARRANTIES PROVIDED BY LAW, IF ANY, APPLY UNLESS THEY ARE REQUIRED TO APPLY BY STATUTE NOTWITHSTANDING THEIR EXCLUSION BY CONTRACT. NO DEALER, AGENT, OR EMPLOYEE OF SPLITIT IS AUTHORIZED TO MAKE ANY MODIFICATIONS, EXTENSIONS, OR ADDITIONS TO THIS LIMITED WARRANTY. SPLITIT MAKES NO WARRANTY THAT THE SPLITIT SOFTWARE WILL BE CONTINUOUS OR ERROR-FREE. Merchant understands and agrees that due to the protracted repayment period and the risk of chargebacks, the Splitit installment processing solution is less secure than a traditional transaction. Fraud prevention is Merchant’s sole responsibility, and Splitit is not responsible for any non-valid or fraudulent Transactions that are processed through the Splitit Software. 8. **LIMITATION OF REMEDIES** UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY SHALL SPLITIT, OR ITS SUPPLIERS OR RESELLERS, BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY CHARACTER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF GOODWILL, LOST PROFITS, BUSINESS INTERRUPTIONS, WORK STOPPAGE, PERSONAL INJURY, PHYSICAL OR EMOTIONAL IMPAIRMENT, COMPUTER FAILURE OR MALFUNCTION, OR ANY AND ALL OTHER PERSONAL OR COMMERCIAL DAMAGES OR LOSSES ARISING FROM THE USE OR INABILITY TO USE THE PROGRAMS (WHETHER OR NOT DUE TO ANY DEFECTS THEREIN) OR FOR ANY CLAIM BY ANY OTHER PARTY, EVEN IF SPLITIT SHALL HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIMS BY THIRD PARTIES. UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY SHALL SPLITIT, OR ITS SUPPLIERS OR RESELLERS, BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY AMOUNTS IN EXCESS OF THE AMOUNT OF THE LICENSE FEE PAID BY YOU FOR THE LICENSE GRANTED UNDER THIS AGREEMENT. OUR TOTAL LIABILITY TO YOU, WHETHER ARISING IN TORT (INCLUDING NEGLIGENCE), CONTRACT OR OTHERWISE, UNDER THIS AGREEMENT OR WITH REGARD TO THE SPLITIT SOFTWARE AND ASSOCIATED SERVICES, SHALL NOT EXCEED THE AGGREGATE FEES RECEIVED BY US FOR PROVIDING YOU WITH SUCH SOFTWARE AND SERVICES DURING THE THIRTY (30) DAYS PRECEDING THE DATE ON WHICH THE CLAIM AROSE. 9. **INDEMNIFICATION** You agree to defend, indemnify and hold Splitit, its affiliates, officers, directors and employees, agents, contractors harmless from any claim or demand (including attorneys’ fees) made or incurred by any third party due to or arising out of your breach of this EULA and/or your use of the Splitit Software or the Splitit Services accessed through the Splitit Software. If you are an agency or instrumentality of a state of the United States and are precluded by the law of your state or the United States, as applicable, from entering into indemnification obligations, then the obligations under Sections shall apply only to the extent permitted by such law. 10. **SEVERABILITY** If any provision of this EULA or portion thereof is held to be unenforceable, such a determination will not affect the remainder of this EULA. Paragraph headings are included for convenience only and are not to be used in interpreting this EULA 11. **ENTIRE AGREEMENT** This EULA sets forth the entire understanding and agreement of the parties, and supersedes any and all prior or contemporaneous oral or written agreements or understandings between the parties, as to the subject matter of this EULA. 12. **DATA USAGE; DATA SECURITY;** **12.1 Data Security.** Merchant agrees that it will use any personal, financial, Card, or Transaction information (“Card Data”) obtained from a cardholder in connection with a card Transaction solely for the purpose of processing a Transaction with that cardholder or attempting to re-present a chargeback with respect to a Transaction. Merchant agrees to comply will all applicable and then-current legal obligations and security measures of any nation, state, or governmental authority having jurisdiction over Merchant, including without limitation, those issued by the United States, any state and/or municipal authority, Card Association, the United States Federal Trade Commission, PCI DSS and any other applicable governing body in connection with your collection, security and dissemination of any Card Data on your website. Merchant is fully responsible for the security of data on its website or otherwise in its possession or control. **12.2. PCI Compliance.** You expressly agree that at all times during your use of the Splitit Software you shall be compliant with the Payment Card Industry Data Security Standards (PCI DSS) and the Payment Application Data Security Standards (PA DSS), as applicable. You agree to promptly provide us with documentation evidencing your compliance with PCI DSS and/or PA DSS if requested by us. You also agree that you will use only PCI compliant service providers in connection with your use of the Splitit Software, including related to the storage, or transmission of Card Data defined as a cardholder’s account number, expiration date, and CVV2. You must not store CVV2 data at any time. **12.3. Data Storage.** Unless you receive the express consent of your customer, you may not use the Splitit Software to retain, track, monitor, store or otherwise use Card Data beyond the scope of the Transaction. Further, unless you receive the written consent of each Acquiring Bank and/or the Card Companies, as applicable, you agree that you will not use nor disclose the Card Data for any purpose other than to support payment for your goods and services. Card Data must be completely removed from your systems, and any other place where you store Card Data, within 24 hours after you receive an authorization decision unless you have received the written consent of your customer to retain the Card Data for the sole purpose of processing recurring payments. To the extent that Card Data resides on your systems and other storage locations, it should do so only for the express purpose of processing your Transactions. All Card Data and other information provided to you by Splitit in relationship to the Splitit Services and all Card Data will remain the property of Splitit, its Acquiring Bank or the Card Companies, as appropriate. **12.4. Password Security.** Splitit will issue to Merchant, or permit you to use, a user name and password to enable you and/or your employees and agents to access your Splitit Account and to use the Splitit Software. You agree to restrict use and access to your password and log-on ID to your authorized employees and agents as may be reasonably necessary and will ensure that each such employee or agent is aware of and complies with the terms of this EULAt. You will not give, transfer, assign, sell, resell or otherwise dispose of the information and materials provided to you to utilize the Splitit Software. You are solely responsible for maintaining adequate security and control of any and all IDs, passwords, or any other codes that are issued to you by Splitit, each Acquiring Bank or the Card Network. Upon Splitit’s request, you shall provide Splitit with all available information regarding such authorized employees and agents. You shall cooperate in any inquiry regarding such authorized employees and agents. **12.5. Audit.** If Splitit believes that a security breach or compromise of Card Data has occurred, Splitit may require you to engage, at your expense, a third party auditor selected by Splitit to conduct a security audit of your systems and facilities and issue a report to be provided to Splitit, the Acquiring Banks and the Card Companies. In the event that you fail to initiate an audit within ten (10) days of Splitit’s request, Splitit may conduct or obtain such an audit at your expense, and you will fully cooperate with and provide prompt access to Splitit or its designee. 13. **ACKNOWLEDGEMENT** By downloading, installing or using any part of this Splitit Software, you indicate that you have read this Agreement, understand it, and agree to be bound by its terms and conditions. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=yn64xlagsfvp)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # United Kingdom & Europe – German Großbritannien & Europa – Deutsch _**ZAHLUNGSBEDINGUNGEN: Oktober 2020**_ Wir sind ein Einzelhändler von Waren oder Dienstleistungen, die du kaufen möchtest („uns“, „unser“ oder „wir“). Diese Vereinbarung besteht zwischen uns und dem Karteninhaber, der den Kauf tätigt („Käufer“, „du“, „dein“). Du hast angegeben, dass du einen Kauf bei uns tätigen und diesen Kauf in Raten mit einer Zahlungskarte bezahlen möchtest, die dir von deiner ausstellenden Bank ausgestellt wurde. Diese Transaktion basiert auf der Technologie unseres Drittanbieters Splitit USA, Inc. („Splitit“). Der Kauf unterliegt unseren normalen Geschäftsbedingungen, einschließlich, aber nicht beschränkt auf unsere Rückgabebedingungen, diese Ratenzahlungsbedingungen („Vereinbarung“), die Offenlegung und Zustimmung von E-Signaturen und eine separate „Truth in Lending Act“-Offenlegung, die wir dir zur Verfügung stellen und die durch Bezugnahme in diese Vereinbarung aufgenommen wird. Wenn du dich dafür entscheidest, diese von Splitit unterstützten Kaufratenzahlungen zu tätigen, stimmst du zu, an diese Geschäftsbedingungen und Vereinbarungen gebunden zu sein. Diese Vereinbarung besteht ausschließlich zwischen dir und uns und bleibt so lange in Kraft, bis alle im Rahmen der Vereinbarung fälligen Beträge vollständig bezahlt oder anderweitig storniert oder erstattet wurden. Du schließt niemals eine Vereinbarung mit Splitit ab. Wie es funktioniert. Indem du auf der Checkout-Seite die Zahlungsoption „Splitit“ auswählst und diese Vereinbarung akzeptierst, ermächtigst du uns, die berechtigte Karte, die du beim Checkout auswählst (oder uns später zur Verfügung stellst), im Laufe der Zeit mit der Anzahl der Zahlungen zu belasten, die du beim Checkout ausgewählt hast (Wir nennen diese Zahlungen „Raten“). Weder wir noch Splitit erheben dir Zinsen oder zusätzliche Gebühren für die Auswahl dieser Zahlungsoption. Das Zahlungsdatum und der Betrag jeder Rate, die wir berechnen, werden auf der Website angezeigt, bevor du deinen Kauf abschließt, und werden dir sofort nach Abschluss deines Kaufs per E-Mail zugeschickt. Wir werden deine Karte für deine erste Rate (deine „Anzahlung“) belasten, wenn deine Bestellung abgeschlossen ist (wir können sie später belasten, wenn der Versand später erfolgt – aber in keinem Fall stellen wir die Anzahlung mehr als 28 Tage nach deiner Bestellung in Rechnung). Jede nachfolgende Rate wird monatlich an den in den „Truth in Lending Disclosures“ angegebenen Daten berechnet, bis der gesamte im Rahmen dieser Vereinbarung fällige Betrag bezahlt ist. Wenn du dich für die Verwendung einer Kreditkarte für Zahlungen entscheidest, erhalten wir möglicherweise auch eine Vorautorisierung deiner Kreditkarte für den Gesamtverkaufspreis zum Zeitpunkt des Kaufs. Eine Vorautorisierung bedeutet, dass ein Teil deiner verfügbaren Kreditlinie auf deiner Kreditkarte bis zum Betrag des Gesamtverkaufspreises gesperrt wird, um sicherzustellen, dass du über ausreichend verfügbares Guthaben für zukünftige Zahlungen verfügst. Um sicherzustellen, dass wir für die von uns gelieferten Waren oder Dienstleistungen eine gültige Vorautorisierung deiner Kreditkarte behalten, erneuern wir die Vorautorisierung alle 21 Tage unter Verwendung der zum Zeitpunkt des Kaufs angegebenen Kreditkartendaten (oder einer nachfolgenden Kreditkarte, die du zur Verfügung stellst), indem du eine Vorautorisierung für den Betrag einreichst, den du uns zum Zeitpunkt der Übermittlung jeder Vorautorisierung schuldest. Dies bedeutet, dass der Betrag jeder Vorautorisierung um den Betrag der im Laufe der Zeit gezahlten Raten reduziert wird. Wir werden dich 7 Tage vor der Verlängerung unserer Vorautorisierung informieren. Dein Kreditkartenaussteller wird dein verfügbares Guthaben wahrscheinlich um den Betrag reduzieren, den wir auf deiner Kreditkarte vorautorisiert haben, sodass du diesen Betrag deiner Kreditlinie nicht verwenden kannst, solange unsere Vorautorisierung bestehen bleibt. Auch wenn dein Kreditkartenaussteller dies nicht tut, solltest du jederzeit sicherstellen, dass du immer über genügend Guthaben verfügst, um den gesamten Betrag zu decken, den du uns im Rahmen dieser Vereinbarung für deinen Kauf schuldest (ohne den Betrag, den du bereits an uns gezahlt hast). Wenn eine Vorautorisierung, die wir für deine Kreditkarte vornehmen möchten, fehlschlägt, werden wir dich per E-Mail kontaktieren, um dich darüber zu informieren. Wir werden auch weiterhin versuchen, die Genehmigung für die Vorautorisierung zu erhalten, indem wir für die folgenden 7 Tage einmal täglich eine Anfrage stellen. Du kannst uns eine andere gültige und akzeptable Kreditkarte zur Verfügung stellen, mit der du stattdessen Vorautorisierungen entgegennehmen und Zahlungen durchführen kannst. Wir werden dann stattdessen alle Zahlungsvorautorisierungen und nachfolgenden Abrechnungsanfragen an diese alternative Kreditkarte einreichen. Wenn wir nicht in der Lage sind, eine Vorautorisierung für die Beträge, die du im Rahmen dieser Vereinbarung schuldest, bis zum nächsten Fälligkeitsdatum der Rate zu erneuern, und du bis zum Fälligkeitsdatum (vorbehaltlich einer geltenden Nachfrist) keine Ratenzahlung leistest, können wir eine Zahlungsanforderung gegen die letzte Vorautorisierung, die wir gegen deine Kreditkarte durchgeführt haben, zum vollen Kaufpreis abzüglich des Betrags der bereits bezahlten Raten einreichen. Wenn du eine Debitkarte für Ratenzahlungen im Rahmen dieser Vereinbarung bereitstellst, kann eine vorübergehende Vorautorisierung für den Gesamtverkaufspreis zum Zeitpunkt des Kaufs für deine Debitkarte erstellt werden. Wir belasten deine Debitkarte jedoch nur für deine erste Zahlung in diesem Moment. Der verbleibende Betrag der Vorautorisierung (ggf. der Gesamtverkaufspreis abzüglich deiner ersten Zahlung) wird innerhalb von ca. 5 bis 7 Tagen nach dem Kaufdatum von deiner Debitkarte entfernt. Die Bearbeitungszeiten können jedoch je nach Datum variieren deine Bank. Wir werden die Vorautorisierung deiner Debitkarte nicht verlängern. Wir werden deine Debitkarte weiterhin monatlich und an jedem Ratenfälligkeitsdatum mit dem Betrag jeder nachfolgenden Rate belasten, bis der gesamte im Rahmen dieser Vereinbarung fällige Betrag bezahlt ist. Falls auf der Debitkarte nicht genügend Guthaben vorhanden ist, werden wir dich benachrichtigen. Wenn ein Zahlungsversuch erfolglos ist oder unbezahlt an uns zurückgesandt wird, können wir den Zahlungsversuch bis zu zwei weitere Male wiederholen, sofern dies nicht gesetzlich verboten ist. Wenn du unsere Dienste nutzt, musst du möglicherweise andere Steuern oder Kosten zahlen, die nicht von uns erhoben werden (z. B. Internetgebühren, Gebühren, die von der ausstellenden Bank deiner Kredit- oder Debitkarte erhoben werden, oder Gebühren, die vom Zoll in deinem Land erhoben werden). BEACHTE INSBESONDERE, DASS DIR BEI DER BELASTUNG DEINER KARTE MÖGLICHERWEISE ZINSEN UND GEBÜHREN ODER ANDERE KOSTEN BERECHNET WERDEN, DIE DEIN KARTENAUSSTELLER IM RAHMEN SEINER VEREINBARUNG MIT DIR ERHOBEN HAT. DIES KANN GEBÜHREN FÜR VERSPÄTETE ZAHLUNGEN, ÜBERZIEHUNGSGEBÜHREN, REGELMÄSSIGE ZINSEN ODER ÜBER-DEM-LIMIT-GEBÜHREN UMFASSEN. DU BIST ALLEIN FÜR DIESE GEBÜHREN VERANTWORTLICH. Recht, die Zahlung zu stoppen und Ihre Zahlungsmethode zu ändern: Sie haben das Recht, die Zahlung mit Ihrer ausgewählten Kredit- oder Debitkarte zu stoppen, indem Sie uns eine E-Mail an support@splitit.com schreiben oder eine neue berechtigte Karte auf der Splitit-Plattform angeben. Du musst uns dies rechtzeitig mitteilen, damit wir deine Anfrage mindestens 3 Werktage vor dem Fälligkeitsdatum deiner nächsten Rate erhalten. Wenn du anrufst, musst du deine Anfrage möglicherweise innerhalb von 14 Tagen nach deinem Anruf schriftlich bestätigen. Wenn deine Kredit- oder Debitkarte ersetzt oder storniert wird oder nicht mehr gültig ist oder du eine andere Karte verwenden möchtest, musst du dich bei der Splitit-Plattform anmelden und mindestens 3 Werktage vor dem Fälligkeitsdatum deiner nächsten Rate eine berechtigte Karte bereitstellen. Wir können deine Anfrage möglicherweise nicht bearbeiten, wenn wir sie nicht rechtzeitig erhalten. Wenn du eine neue Debit- oder Kreditkarte angibst, können eine oder mehrere Vorautorisierungen für den Gesamtverkaufspreis abzüglich des Betrags aller Raten, die bereits auf dein Konto gebucht wurden, wie oben beschrieben, für deine Karte angefragt werden. Wenn auf der neuen Karte nicht genügend Kreditrahmen oder Guthaben vorhanden ist, um die Vorautorisierung zu verarbeiten, akzeptieren wir die Karte möglicherweise nicht. Es liegt in deiner Verantwortung sicherzustellen, dass die Kredit- oder Debitkarte, die du zum Zeitpunkt des Kaufs oder zu einem späteren Zeitpunkt zur Zahlung vorlegst, bis zur Zahlung der letzten Rate gültig bleibt, nicht storniert wird und über ausreichend Guthaben oder Kreditrahmen verfügt, um alle Raten zu zahlen und Vorautorisierungen zu akzeptieren, die im Rahmen dieser Vereinbarung vorgenommen werden können. ZAHLUNGSAUTORISIERUNG: DURCH AKZEPTIEREN DIESER VEREINBARUNG AUTORISIERST DU UNS ODER UNSEREN DIENSTLEISTER, (1) DEINE AUSGEWÄHLTE KARTE BIS ZUM OBEN BESCHRIEBENEN GESAMTVERKAUFSPREIS VORZUAUTORISIEREN; (2) DEINE AUSGEWÄHLTE KARTE MIT DEM BETRAG DEINER ANZAHLUNG AM ODER NACH DEM DATUM DIESER VEREINBARUNG ZU BELASTEN; (3) DEINE AUSGEWÄHLTE KARTE MIT DEM BETRAG JEDER RATE AN JEDEM RATENFÄLLIGKEITSDATUM, WIE IN DEINEN “TRUTH IN LENDING DISCLOSURES” BESCHRIEBEN, ZU BELASTEN; (4) DEINE AUSGEWÄHLTE KARTE MIT DEM GESAMTVERKAUFSPREIS ABZÜGLICH ALLER RATEN, DIE DU BEREITS GEZAHLT HAST, (A) IM FALLE EINES VERZUGS (VORBEHALTLICH ETWAIGER GESETZLICHER KÜNDIGUNGS- UND HEILUNGSRECHTE) ODER (B) WENN DU DIESE VEREINBARUNG NACH DER DURCH DIESE VEREINBARUNG ZULÄSSIGEN ZEIT KÜNDIGST, ZU BELASTEN; UND (5) DEINE AUSGEWÄHLTE KARTE, UM ETWAIGE FEHLER ZU KORRIGIEREN, NACH BEDARF ZU BELASTEN. DIESE ZAHLUNGSERMÄCHTIGUNG BLEIBT IN VOLLEM UMFANG IN KRAFT UND WIRKSAM, BIS ALLE RATEN VOLLSTÄNDIG BEZAHLT SIND ODER WIR EINE MITTEILUNG ERHALTEN, DASS DU DIESE AUTORISIERUNG WIDERRUFST. Umgang mit Kartenzahlungen. Wir verwenden eine von Splitit bereitgestellte Technologieplattform eines Drittanbieters, um die Zahlungen aufzuzeichnen, die du uns im Rahmen dieser Vereinbarung schuldest, und wir verwenden deren Plattform, um die Vorautorisierungs- und Kartenzahlungsanfragen zu den von uns vereinbarten Zeiten einzureichen. Wir verwenden diese Technologieplattform, um zu überwachen, wann und wie viel du bezahlen musst, und um Benachrichtigungen an dich zu senden. Du wirst sehen, dass einige dieser Buchstaben sagen, dass sie „Powered by Splitit“ sind. Dies soll dir helfen, festzustellen, über welche Zahlungen wir dich kontaktieren. Rückgaben. Du kannst die Waren gemäß unseren Rückgabebedingungen an uns zurücksenden. Wir können möglicherweise keine Rücksendung von Waren akzeptieren, wenn diese nach deinen Vorgaben angefertigt wurden. Stornierung. Du hast das Recht, diese Vereinbarung zu kündigen und eine Rückerstattung des im Rahmen dieser Vereinbarung gezahlten Betrags bis zum letzten der folgenden Ereignisse zu erhalten: (1) jederzeit, bevor die Waren und Dienstleistungen, die du im Rahmen dieser Vereinbarung gekauft hast, an dich geliefert oder erbracht werden oder (2) für drei Tage, nachdem du diese Vereinbarung akzeptiert hast. Um eine Stornierung zu beantragen, kontaktiere uns bitte per E-Mail unter support@splitit.com. Wenn wir die Ware bereits an dich geliefert oder versendet haben, musst du die Ware möglicherweise unverzüglich in dem Zustand an uns zurücksenden, in dem sie eingegangen ist, damit deine Stornierung bearbeitet werden kann. Du kannst diese Vereinbarung möglicherweise nicht kündigen, wenn die Waren nach deinen Vorgaben angefertigt wurden. Möglicherweise musst du im Zusammenhang mit einer Kündigung oder Stornierung zusätzliche Informationen angeben, damit wir den gekündigten Vertrag ordnungsgemäß identifizieren können. Du kannst diese Vereinbarung in jedem Fall jederzeit kündigen, indem du uns per E-Mail informierst. Möglicherweise erhältst du jedoch keine Rückerstattung, und du musst möglicherweise den gesamten Betrag bezahlen, den du uns im Rahmen dieser Vereinbarung schuldest. Verzug. Vorbehaltlich des anwendbaren Rechts, das möglicherweise vorschreibt, dass wir dich benachrichtigen und/oder dir das Recht einräumen, deinen Verzug nachzuerfüllen, können wir dich aus einem der folgenden Gründe für in Verzug erklären: (1) Du zahlst die Rate bis zum Fälligkeitsdatum und nach einer anwendbaren Nachfrist nicht. (2) Du verstößt gegen jedes Versprechen, das du uns in dieser Vereinbarung gibst, was deine Zahlungsfähigkeit oder unsere Fähigkeit, die gemäß dieser Vereinbarung fälligen Beträge einzuziehen, erheblich beeinträchtigt. (3) Du beantragst einen Schutz nach dem US-amerikanischen Insolvenzgesetz oder unterliegst einem Verfahren, das einen Schuldenerlass anstrebt. (4) Du hast eine falsche oder irreführende Aussage zu einer wichtigen Angelegenheit im Zusammenhang mit dieser Vereinbarung gemacht. (5) Du widerrufst deine Zustimmung zur elektronischen Kommunikation oder (6) du stirbst oder wirst geschäftsunfähig. Folgen eines Verzugs. Wenn du mit dieser Vereinbarung in Verzug bist, können wir dich auffordern, den verbleibenden Betrag, den du uns im Rahmen dieser Vereinbarung schuldest, sofort zu zahlen, vorbehaltlich eines Rechts, das du möglicherweise hast, um einen Verzug zu melden und diesen Verzug zu beheben. Wir können die Zahlung dieses Betrags beantragen, indem wir deine Kredit- oder Debitkarte gemäß einer Vorautorisierung belasten, die du uns im Rahmen dieser Vereinbarung erteilt hast. Wenn wir diese Vereinbarung an einen Anwalt weiterleiten, der nicht unser Angestellter für den Einzug ist, musst du möglicherweise die angemessenen Anwaltsgebühren und -kosten zahlen, soweit dies nach geltendem Recht zulässig ist. Abtreten. Du wirst hiermit darüber informiert, dass wir im Zusammenhang mit den von Splitit bereitgestellten Diensten die Raten und alle damit verbundenen Rechte ohne deine Zustimmung an Splitit oder eines seiner verbundenen Unternehmen übertragen, verkaufen oder abtreten können. In diesem Fall bleibt diese Vereinbarung in Kraft und ist für unsere Abtretungsempfänger verbindlich und kommt diesen zugute. Du darfst deine Rechte aus dieser Vereinbarung nicht übertragen, und jeder Versuch, dies zu tun, ist nichtig. Geltendes Recht, Trennbarkeit. Diese Vereinbarung (und unser Handel vor Abschluss dieser Vereinbarung) unterliegt dem Bundesgesetz und, soweit nicht vorweggenommen, den Gesetzen des Bundeslandes, in dem du die Waren und Dienstleistungen gekauft hast. Wenn eine Bestimmung dieser Vereinbarung oder ein Teil davon als nicht durchsetzbar angesehen wird, hat diese Feststellung keinen Einfluss auf den Rest dieser Vereinbarung. Haftungsbeschränkung. Du erklärst dich damit einverstanden, dass wir, Splitit und unsere jeweiligen Dienstleister, Vertreter, leitenden Angestellten, Direktoren und Mitarbeiter (und dieselben unserer Tochtergesellschaften und verbundenen Unternehmen sowie unsere Tochterunternehmen und verbundenen Unternehmen selbst) (zusammen die „freigestellten Parteien“) für nichts haften, das wir tun, wenn wir Ihren Anweisungen folgen. Darüber hinaus haften freigestellten Parteien nicht, wenn eine solche freigestellten Partei deinen Anweisungen nicht folgt, wenn wir der Ansicht sind, dass deine Anweisungen uns potenziellen Verlusten oder zivil- oder strafrechtlicher Haftung aussetzen oder im Widerspruch zu den üblichen Bankpraktiken stehen würden. DIE ENTSCHÄDIGTEN PARTEIEN HAFTEN UNABHÄNGIG VON DER ART DER HANDLUNG NICHT FÜR INDIREKTE, BESONDERE ODER FOLGESCHÄDEN, SELBST WENN WIR AUF DIE MÖGLICHKEIT SOLCHER SCHÄDEN HINGEWIESEN WURDEN. WENN WIR DIE ZAHLUNG FÜR EINEN ARTIKEL NICHT EINSTELLEN ODER EINEN ARTIKEL MIT EINER NICHT AUTORISIERTEN UNTERSCHRIFT, EINER GEFÄLSCHTEN UNTERSCHRIFT ODER EINER GEFÄLSCHTEN BESTÄTIGUNG ODER ÄNDERUNG BEZAHLEN, IST UNSERE HAFTUNG, FALLS VORHANDEN, AUF DEN NENNBETRAG DES ARTIKELS BESCHRÄNKT. Die vorstehende Haftungsbeschränkung gilt nicht, wenn dies durch die für dein Konto geltenden Gesetze ausdrücklich verboten ist. Dieser Abschnitt zur Haftungsbeschränkung gilt auch nach Beendigung dieser Vereinbarung. Schiedsvereinbarung. Wir sind immer daran interessiert, Streitigkeiten, Ansprüche oder Kontroversen („Ansprüche“) einvernehmlich und effizient zu lösen. Die meisten Kundenbedenken können schnell und zur Zufriedenheit des Kunden gelöst werden, indem du uns per E-Mail unter support@splitit.com oder per Post an Splitit USA, Inc., 16 East 34th Street, New York, NY 10036 kontaktierst. Wenn sich solche Bemühungen als erfolglos erweisen, sind du und wir uns einig, dass alle Streitigkeiten durch ein bindendes Schiedsverfahren auf individueller Basis beigelegt werden. Eine Partei, die ein Schiedsverfahren anstrebt, muss der anderen Partei zunächst per Einschreiben eine schriftliche Streitbeilegung („Mitteilung“) zusenden. Die Bekanntmachung muss (a) die Art und Grundlage des Anspruchs beschreiben und (b) die beantragte spezifische Entlastung darlegen. Wenn du den Anspruch nicht innerhalb von 60 Kalendertagen nach Eingang der Mitteilung bei uns oder der freigestellten Partei löst, können du, wir oder die freigestellten Partei gegebenenfalls ein Schiedsverfahren gemäß diesem Abschnitt einleiten. Die Schiedsgerichtsbarkeit wird von einem neutralen Schiedsrichter gemäß den AAA-Regeln und -Verfahren durchgeführt, einschließlich der AAA-Regeln für Verbraucherschiedsgerichtsbarkeit (zusammen die „AAA-Regeln“), die durch diese Schiedsvereinbarung geändert wurden. Der Schiedsrichter muss auch die Bestimmungen dieser Vereinbarung befolgen, wie es ein Gericht tun würde. WENN EINE PARTEI EIN SCHIEDSVERFAHREN IN BEZUG AUF EINEN ANSPRUCH EINLEITET, HABEN WEDER DU NOCH WIR ODER DIE FREIGESTELLTE PARTEI DAS RECHT, DIESEN ANSPRUCH VOR GERICHT ZU VERHANDELN ODER EINE SCHWURGERICHTSVERFAHREN ÜBER DIESEN ANSPRUCH ZU FÜHREN ODER EINE OFFENLEGUNG VOR DEM SCHIEDSVERFAHREN VORZUNEHMEN, AUSSER ALS IN DEN GELTENDEN AAA-REGELN VORGESEHEN. DARÜBER HINAUS HAST DU NICHT DAS RECHT, ALS VERTRETER ODER MITGLIED EINER KLASSE VON ANTRAGSTELLERN, DIE SICH AUF DIESEN ANTRAG BEZIEHEN, TEILZUNEHMEN, UND DU HAST NUR DIE RECHTE, DIE IN EINEM INDIVIDUELLEN SCHIEDSVERFAHREN VERFÜGBAR SIND. DIE ENTSCHEIDUNG DES SCHIEDSRICHTERS IST FÜR ALLE PARTEIEN ENDGÜLTIG UND BINDEND, ES SEI DENN, DIES IST IM FEDERAL ARBITRATION ACT („FAA“) VORGESEHEN. Ungeachtet des Vorstehenden behalten du und wir uns das Recht vor, Streitigkeiten, die in die Zuständigkeit dieses Gerichts fallen, vor einem Gericht für geringfügige Forderungen (oder einem gleichwertigen staatlichen Gericht) zu verfolgen, solange die Streitigkeiten in diesem Gericht verbleiben und nur einen einzelnen Anspruch auf Entlastung geltend machen. Wenn du oder wir es nicht versäumen, uns auf rechtmäßige Aufforderung einer verbindlichen Schlichtung eines schiedsrichterlichen Streits zu unterziehen, trägt die Partei, die dies nicht tut, alle Kosten und Aufwendungen, die der anderen Partei bei einem zwingenden Schiedsverfahren entstehen. DIESE SCHIEDSVEREINBARUNG GILT NICHT FÜR DICH, WENN DU ZUM ZEITPUNKT DIESER VEREINBARUNG EIN GEDECKTER KREDITNEHMER IM SINNE DES BUNDESGESETZES ÜBER DIE MILITÄRISCHE KREDITVERGABE BIST. WENN DU WEITERE INFORMATIONEN DARÜBER WÜNSCHST, OB DU UNTER DAS MILITÄRKREDITGESETZ FÄLLST, IN WELCHEM FALL DIESE SCHIEDSBESTIMMUNG NICHT FÜR DICH GILT, KONTAKTIERE UNS BITTE UNTER 1 (844) 775-4848. Verbot von Klassen- und Repräsentativaktionen und nicht individualisierter Entlastung. DU ERKLÄRST DICH DAMIT EINVERSTANDEN, DASS DU ANSPRÜCHE GEGEN UNS ODER EINE FREIGESTELLTE PARTEI NUR AUF INDIVIDUELLER BASIS UND NICHT ALS KLÄGER ODER SAMMELKLAGEMITGLIED EINER VORGEBLICHEN GRUPPENKLAGE ODER REPRÄSENTATIVEN KLAGE ODER EINEM VERFAHREN ERHEBEN DARFST. SOFERN DU UND DIE FREIGESTELLTE PARTEI NICHTS ANDERES VEREINBAREN, DARF DER SCHIEDSRICHTER NICHT MEHR ALS DIE ANSPRÜCHE EINER PERSON ODER PARTEI KONSOLIDIEREN ODER ZUSAMMENFÜHREN UND DARF WEITERHIN KEINER FORM EINES KONSOLIDIERTEN, REPRÄSENTATIVEN ODER SAMMELKLAGENVERFAHRENS VORSTEHEN. DER SCHIEDSRICHTER KANN ENTLASTUNGEN (EINSCHLIESSLICH GELD-, UNTERLASSUNGS- UND FESTSTELLUNGENTLASTUNGEN) NUR ZUGUNSTEN DER EINZELNEN PARTEI GEWÄHREN, DIE UM ENTLASTUNG ERSUCHT, UND NUR IN DEM UMFANG, DER ERFORDERLICH IST, UM DIE AUFGRUND DER INDIVIDUELLEN ANSPRÜCHE DIESER PARTEI ERFORDERLICHEN ERLEICHTERUNGEN ZU GEWÄHREN, MIT DER AUSNAHME, DASS DU EINEN ANSPRUCH GELTEND MACHEN KANNST UND DER SCHIEDSRICHTER NACH GELTENDEM RECHT EINE EINSTWEILIGE VERFÜGUNG IN DEM FÜR DIE DURCHSETZBARKEIT DIESER BESTIMMUNG ERFORDERLICHEN UMFANG ERLASSEN KANN. HINWEIS ZUM MILITÄRKREDITGESETZ: Das Bundesgesetz bietet Mitgliedern der Streitkräfte und ihren Angehörigen wichtigen Schutz bei der Verlängerung von Verbraucherkrediten. Im Allgemeinen dürfen die Kosten für Verbraucherkredite an ein Angehöriges der Streitkräfte und seine Angehörigen einen jährlichen Prozentsatz von 36 Prozent nicht überschreiten. Dieser Satz muss für die Kredittransaktion oder das Kreditkonto Folgendes enthalten: die mit Kreditversicherungsprämien verbundenen Kosten, Gebühren für im Zusammenhang mit der Kredittransaktion verkaufte Zusatzprodukte, etwaige Gebühren (mit Ausnahme bestimmter Antragsgebühren für bestimmte Kredittransaktionen oder -konten) sowie etwaige Teilnahmegebühren (mit Ausnahme bestimmter Teilnahmegebühren für ein Kreditkartenkonto). Um diese Informationen und eine Beschreibung deiner Zahlungsverpflichtung mündlich zu erhalten, rufe bitte 1 (844) 775-4848 an. HINWEIS: JEDER INHABER DIESES VERBRAUCHERKREDITVERTRAGS UNTERLIEGT ALLEN ANSPRÜCHEN UND VERTEIDIGUNGEN, DIE DER SCHULDNER GEGENÜBER DEM VERKÄUFER VON WAREN ODER DIENSTLEISTUNGEN GELTEND MACHEN KÖNNTE, DIE ER GEMÄSS DIESEM VERTRAG ODER MIT DEM ERLÖS AUS DIESEM VERTRAG ERHALTEN HAT. DIE RÜCKFORDERUNG DURCH DEN SCHULDNER DARF DIE VOM SCHULDNER IM RAHMEN DIESER VEREINBARUNG GEZAHLTEN BETRÄGE NICHT ÜBERSCHREITEN. Verwendung deiner Daten. Auf unserer Website findest du eine Kopie unserer Datenschutzrichtlinie, die du im Zusammenhang mit deinem Kauf überprüfen kannst. Während Splitit unsere Zahlungsanfragen und Anweisungen für uns bearbeitet, werden diese deine Daten verarbeiten und wir werden Informationen zwischen uns weitergeben. Du kannst eine Kopie der Datenschutzrichtlinie von Splitit erhalten, indem du deren Website unter http://splitit.localsite/legals/splitit-privacy-policy/english/ besuchst. Wir und Splitit können Informationen über unsere Transaktionen und Erfahrungen mit dir und anderen verbundenen Unternehmen teilen. Wir können Informationen über unsere Transaktionen und Erfahrungen im Zusammenhang mit der Bereitstellung dieses Dienstes an Dritte weitergeben, einschließlich Gläubigern und Betrugserkennungsdiensten. Weder wir noch Splitit dürfen jedoch, sofern gesetzlich nicht zulässig, Informationen, die aus Kreditanträgen, Verbraucherberichten und Dritten stammen, an mit uns verbundene Unternehmen weitergeben, wenn du uns anweist, diese Informationen nicht weiterzugeben. Wenn du nicht möchtest, dass wir diese Informationen weitergeben, musst du uns dies schriftlich oder per E-Mail unter support@splitit.com mitteilen. Wenn du uns eine Benachrichtigung per E-Mail senden, musst du deinen Namen, deine Adresse, deine Kontonummer und die letzten vier Ziffern deiner Kartennummer angeben, die für diese Transaktion verwendet wurden, damit eine solche Anfrage bearbeitet werden kann. Gib in dieser E-Mail nicht deine vollständigen Kartendaten an. Wir können Informationen über diese Vereinbarung an Ratingagenturen melden. Kommunikation. Nach Abschluss deines Kaufs senden wir dir eine E-Mail mit Informationen darüber, wie du auf Informationen zu deinen Zahlungen auf einer sicheren, passwortgeschützten Splitit-Plattform zugreifen kannst. Einige der Kommunikationen zwischen dir und uns oder einem unserer verbundenen Unternehmen, Vertreter, Beauftragten und Dienstleister können überwacht und aufgezeichnet werden. Du stimmst dieser Überwachung und Aufzeichnung zu. Du erklärst dich damit einverstanden, dass wir und unsere Dienstleister von Zeit zu Zeit unter jeder mit deinem Konto verknüpften Telefonnummer Anrufe tätigen und/oder Textnachrichten an dich senden können, einschließlich mobiler Telefonnummern, die zu Gebühren für dich führen können. Die Art und Weise, in der diese Anrufe oder Textnachrichten getätigt werden, kann die Verwendung von aufgezeichneten/künstlichen Sprachnachrichten und/oder eines automatischen Telefonwahlsystems umfassen, ist jedoch nicht darauf beschränkt. Die Zustimmung kann jederzeit und mit angemessenen Mitteln widerrufen werden. Du erklärst dich ferner damit einverstanden, dass wir oder unsere Dienstleister E-Mails an jede von dir angegebene E-Mail-Adresse senden oder andere elektronische Kommunikationsmittel verwenden, soweit dies gesetzlich zulässig ist. Du bist dafür verantwortlich, alle Telekommunikations-, Mobil-, Breitband-, Computer-, Hardware-, Software-, Ausrüstungs- und Serviceleistungen anzuschaffen und zu warten, die für den Zugriff auf Informationen über diese Vereinbarung oder deine Zahlungsmethode erforderlich sind, deine Kontodokumente online anzuzeigen, zu speichern und/oder zu drucken, Nachrichten oder Dokumenten zu empfangen, denen du gemäß den Angaben und Einwilligungen zur elektronischen Kommunikation, auf die hiermit ausdrücklich Bezug genommen wird, elektronisch zugestimmt hast, und alle damit verbundenen Gebühren zu zahlen. Wir sind nicht verpflichtet, auf Anweisungen oder Nachrichten von dir zu reagieren, die per Fax, SMS, Telefon-Voicemail, Nachrichtendienst oder Anrufbeantworter bereitgestellt werden. Wann immer diese Vereinbarung oder geltendes Recht es erfordert oder dir erlaubt, uns schriftlich zu benachrichtigen, betrachten wir eine SMS oder ein Fax nicht als schriftliche Mitteilung. Du musst uns unverzüglich über Änderungen deiner E-Mail-Adresse, Telefonnummer, Postanschrift oder anderer Kontaktinformationen informieren, indem du das Splitit-Portal verwendest oder uns eine E-Mail an support@splitit.com sendest. An wen kann man sich bezüglich dieser Vereinbarung wenden? Gelegentlich benötigst du möglicherweise zusätzliche Unterstützung im Zusammenhang mit dieser Vereinbarung (z. B. Ersetzen der Zahlungsmethode, Anzahl der ausstehenden Raten usw.). Splitit betreibt eine Splitit-Plattform (www.splitit.com) sowie eine E-Mail-Adresse (support@splitit.com) für den Support, mit dem du Probleme wie diese im Zusammenhang mit der Technologieplattoform, die wir nutzen, lösen kannst. Wir stellen jedoch klar, dass wir Splitit mit der Erbringung bestimmter Dienstleistungen beauftragt haben und du keine Vereinbarung mit diesem Unternehmen hast. Es kann keine anderen Vereinbarungen mit dir über die Zahlung als die oben beschriebenen vereinbaren, um die Verwendung einer anderen Karte für dich einzurichten. Darüber hinaus verfügt es nicht über Informationen zu deiner Beziehung zu deinem Kartenaussteller und kann dementsprechend keine Fragen im Zusammenhang mit dieser Vereinbarung beantworten. Wenn du uns Geld schuldest und dies besprechen möchtest, wende dich bitte an unsere Kundendienstabteilung auf unserer Website. Bundesstaatspezifische Angaben. Wenn du in einem der folgenden Bundesstaaten oder Gerichtsbarkeiten ansässig bist, gelten die folgenden Bestimmungen für deinen Bundesstaat und ersetzen alle in dieser Vereinbarung festgelegten widersprüchlichen Bestimmungen: District of Columbia: Wir bestätigen, dass die in der Vereinbarung enthaltenen Informationen gegebenenfalls den Bestimmungen des District of Columbia, Titel 16, Kapitel 1, entsprechen. Florida: Die gesetzlich vorgeschriebene Stempelsteuer in Florida wurde oder wird direkt von uns an das Finanzministerium gezahlt. Hawaii: Dieser Vertrag unterliegt dem Kreditverkaufsgesetz von Hawaii, und du hast die Rechte eines Käufers nach diesem Gesetz. Möglicherweise hast du auch Rechte nach anderen staatlichen und bundesstaatlichen Gesetzen. Maryland: Diese Vereinbarung unterliegt den Gesetzen des Bundesstaates Maryland. Diese Vereinbarung unterliegt den Bestimmungen des Closed End Credit Credit Grant (Untertitel 10) des Handelsrechtsartikels des Maryland Code. Arizona, Delaware, Maine, Minnesota, Nebraska, Ohio, Oklahoma und Wyoming. Es gelten keine Bestimmungen in dieser Vereinbarung, die die Zahlung von Anwaltskosten, Gerichtskosten oder Inkassokosten durch dich vorsehen. New Hampshire: Wenn du dich bei Maßnahmen im Zusammenhang mit dieser Vereinbarung durchsetzt, zahlen wir die angemessenen Anwaltskosten. Wenn du eine teilweise Verteidigung oder Aufrechnung, Wiedergutmachung oder Gegenforderung erfolgreich geltend machst, kann das Gericht die Gebühren, die wir zurückfordern können, begrenzen. New Jersey: (1) Die Abschnittsüberschriften der Vereinbarung sind ein Inhaltsverzeichnis und keine Vertragsbedingungen. (2) Du erklärst dich damit einverstanden, angemessene Anwaltskosten zu zahlen, die uns bei der Einziehung eines im Rahmen dieser Vereinbarung fälligen und zu zahlenden Betrags entstehen, und zwar in einer Höhe, die 20 % der ersten geschuldeten 500 USD und 10 % eines geschuldeten Betrags von mehr als 500 USD nicht überschreiten darf, wenn diese Vereinbarung an einen Anwalt zum Einzug verwiesen wird, der nicht unser Angestellter ist. (3) Bestimmungen dieser Vereinbarung, die sich auf Handlungen oder Praktiken beziehen, die nach geltendem Recht zulässig sind, es sei denn sie sind verboten, gelten für Einwohner von New Jersey nur insoweit, als solche Handlungen oder Praktiken nach New Jersey oder Bundesgesetz zulässig sind. Ohio: Nach den Gesetzen von Ohio gegen Diskriminierung müssen alle Gläubiger allen kreditwürdigen Kunden gleichermaßen Kredite zur Verfügung stellen und die Kreditauskunfteien auf Anfrage für jeden Einzelnen eine separate Bonitätshistorie führen. Die Ohio Civil Rights Commission verwaltet die Einhaltung dieses Gesetzes. Pennsylvania: Du erklärst dich damit einverstanden, dass der vorherrschenden Partei bei jeder Maßnahme in Bezug auf diese Vereinbarung angemessene Anwaltsgebühren und -kosten gewährt werden, unabhängig davon, ob die Maßnahme von uns oder von dir eingeleitet wird. Virginia: Die Servicegebühr beträgt höchstens 0 % pro Jahr und wird monatlich berechnet. Wisconsin: Keine Bestimmung eines Ehegütervertrags, eine einseitige Erklärung nach Wis. Stat. Ann. §766.59 oder ein Gerichtsbeschluss nach §786.70 wirken sich nachteilig auf unser Interesse aus, es sei denn, wir erhalten vor der Gewährung des Kredits eine Kopie der Vereinbarung, Erklärung oder des Dekrets oder haben tatsächliche Kenntnis von der nachteiligen Bestimmung, wenn die Verpflichtung uns gegenüber entsteht. GESAMTE VEREINBARUNG. Mündliche Vereinbarungen oder mündliche Zusagen, Geld zu leihen, Kredite zu vergeben oder die Rückzahlung einer Schuld nicht durchzusetzen, sind nach geltendem Recht möglicherweise nicht durchsetzbar. Um dich (als Käufer) und uns (als Verkäufer) vor Missverständnissen oder Enttäuschungen zu schützen, erkennen du und wir an und stimmen zu, dass diese schriftliche Vereinbarung ein endgültiger Ausdruck der Vereinbarung zwischen dir und uns ist und dass dieser Vereinbarung nicht durch Beweise früherer, gleichzeitiger oder nachfolgender mündlicher Vereinbarungen der Parteien widersprochen werden darf. Die Bedingungen dieser Vereinbarung dürfen nur in einem von dir und uns unterzeichneten Schriftstück geändert werden. Keine Änderung entbindet eine Partei von der Haftung, sofern nicht ausdrücklich schriftlich anders angegeben. WICHTIG: Du erkennst an, dass du eine angemessene Gelegenheit hattest, diese Ratenbedingungen zu prüfen, und dass dir eine lesbare und vollständige Kopie zugestellt wurde. HINWEIS FÜR DEN KREDITNEHMER: (1) GENEHMIGE DIESE VEREINBARUNG NICHT, BEVOR DU SIE GELESEN HAST. (2) GENEHMIGE DIESE VEREINBARUNG NICHT, WENN SIE LEERSTELLEN ENTHÄLT. (3) DU HAST ANSPRUCH AUF EINE GENAUE KOPIE JEDER VON DIR UNTERZEICHNETEN VEREINBARUNG. BEWAHRE SIE AUF, UM DEINE RECHTE ZU SCHÜTZEN. (2) DU HAST JEDERZEIT DAS RECHT, DIE NACH DIESER VEREINBARUNG FÄLLIGEN RESTBETRÄGE OHNE VERTRAGSSTRAFE IM VORAUS ZU BEZAHLEN. Letzte Aktualisierung: Oktober 2020 Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=8dm7fx1i7pql)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=dxfcwb58x2kr)# Future-proof your BNPL strategy [Book a demo](https://www.splitit.com/merchants/industries/other/#contact-sales) 85%+ approval rate, versus an industry norm of 35%-40%. 1.2bn approved customers. Anyone with a credit card can use Splitit. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/zero-risk-consumer-financing-education-300x200.jpg)![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/card-linked-installments-for-sports-equipment-300x200.jpg)![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/spliit-pay-later-for-jewelry-business-300x200.jpg)![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/splitit-installment-payments-for-automotive-businesses-small-300x247.png) ## A more responsible way to pay We are the only installment payment solution that allows shoppers to use their existing credit card at checkout without increasing their debt. [Regulations are changing](https://www.splitit.com/blog/splitit-the-most-relevant-bnpl-with-regulations-looming/) for legacy BNPL providers, be prepared and act now. ## Frictionless payments Splitit provides the technology that empowers you to offer installment payments embedded within your existing customer journey. [Book a demo](https://www.splitit.com/merchants/industries/other/#contact-sales) Pay now$2,500Pay in 3$833.33Pay in 9$277.78$2,500Or from $416.66/moLearn more ### Own the end-to-end journey Splitit places your brand at the heart of every transaction, ensuring that you maintain complete control over the customer experience. By managing the entire journey, you can tailor the shopping experience to reflect your brand’s unique values and drive repeat business. ### Use existing credit Splitit removes the high risks of legacy BNPL by using existing credit, meaning there is no underwriting and we won’t hurt your shopper’s credit rating. Plus, shoppers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud. ### No registrations or redirects Splitit embeds into your current purchase flow, allowing any consumer with an active credit card to use the service – there’s no registration or application needed. Our seamless integration keeps the checkout smooth and straightforward, resulting in higher conversion rates and a checkout that is quick, easy, and secure for your shoppers. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/increase-average-order-value-with-pay-later.png) ## Increase transaction values With Splitit’s card-attached installments there’s no arbitrary purchase limit, customers can maximize their purchasing potential using their existing available credit, leading to higher transaction values. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/highest-approval-rates-with-splitit.png) ## Drive more conversions Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. With no applications, underwriting or SSN required, there is no friction at the checkout. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/zero-default-risk-with-card-linked-installments-747x1024.png) ## Zero default risk Splitit operates with customers’ existing credit cards – their installment payment plan lives within the limits of their existing credit card. This means there’s no risk of defaulting on payment – should a customer miss their payments, the total order amount will be charged to their card. ![Google](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Google](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Google](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Google](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/ableton1.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # United Kingdom & Europe – Italian Regno Unito e Europa- Italiano _**​Ultimo aggiornamento: Aprile 2019**_ 01. L’Acquirente, il cui nome è riportato in calce (“Acquirente”), si impegna a pagare l’intero importo del Prezzo di acquisto totale autorizzato nel numero di pagamenti rateali di cui all’Autorizzazione di pagamento rateale periodico (“Autorizzazione”) a (il “Venditore”), autorizzando Venditore a addebitare sulla carta di credito dell’Acquirente rate mensili come stabilito nell’Autorizzazione (ciascuna una “Rata”) ogni mese fino a pagamento dell’intera somma. 02. L’Acquirente accetta che il Venditore otterrà autorizzazioni sulla carta di credito dell’Acquirente come segue: (a) intero importo dell’Acquisto al momento della vendita; (b) ogni mese per la Rata; e (c) per l’intero saldo restante dell’Acquisto, autorizzazione/i da ottenersi con frequenza mensile o superiore. L’Acquirente accetta inoltre che il Venditore continuerà a elaborare le autorizzazioni di cui sopra sulla carta dell’Acquirente finché quest’ultimo non avrà erogato l’intero importo dell’acquisto al Venditore. 03. L’Acquirente riconosce che l’ottenimento da parte del Venditore delle autorizzazioni sulla carta di credito dell’Acquirente, sopra riportate nella sezione 2, può influire negativamente sul credito disponibile dell’Acquirente. Per motivi tecnici indipendenti dalla volontà del Venditore, le autorizzazioni in corso possono sovrapporsi temporaneamente alla carta di credito dell’Acquirente, riducendo ulteriormente il credito disponibile durante quel periodo di tempo. L’Acquirente si impegna a tenere indenne il Venditore per eventuali conseguenze negative per l’Acquirente stesso. 04. L’Acquirente si impegna a notificare al Venditore per iscritto tramite l’account utente dell’Acquirente su consumer.splitit.com eventuali modifiche alle informazioni sul conto della carta di credito dell’Acquirente o la cessazione di tale autorizzazione. Il Venditore provvederà ad aggiornare tali informazioni ed elaborare tali richieste entro 30 giorni dopo il ricevimento di tale richiesta. L’Acquirente riconosce che i pagamenti delle Rate possono essere autorizzati e addebitati il giorno lavorativo successivo. L’Acquirente riconosce inoltre che, dato che si tratta di transazioni elettroniche, le autorizzazioni e gli addebiti possono essere inviati all’account dell’Acquirente in corrispondenza delle date di pagamento delle Rate. 05. Gli importi delle Rate dovuti nell’ambito del presente Contratto che sono stati addebitati sulla carta di credito dell’Acquirente e non pagati alla scadenza, secondo il contratto dell’Acquirente con l’emittente della carta di credito (“Emittente”), matureranno interessi al tasso annuo indicato nel prospetto informativo dell’Emittente fino a completo pagamento delle Rate. Fintantoché l’Acquirente pagherà puntualmente ogni Rata all’Emittente alla scadenza, l’Emittente non addebiterà interessi all’Acquirente su tale Rata. L’Emittente può addebitare interessi all’Acquirente su qualsiasi altro saldo dovuto sulla carta di credito oltre all’importo della Rata. 06. Nel caso in cui un’autorizzazione fosse respinta per qualsiasi motivo, l’Acquirente accetta che il Venditore potrà, a sua discrezione, tentare di disporre nuovamente l’addebito entro sette (7) giorni. 07. Nel caso in cui l’Emittente dell’Acquirente manchi il pagamento di una Rata, per qualsiasi motivo, il Venditore, a sua discrezione, può addebitare sulla carta di credito dell’Acquirente in qualsiasi momento l’intero importo residuo dovuto. In caso di rifiuto di pagamento o di autorizzazione, o di storno di addebito da parte dell’Acquirente o dell’Emittente dell’Acquirente, il Venditore o affiliati del Venditore potranno intraprendere azioni di recupero debiti nei confronti dell’Acquirente. 08. Quale corrispettivo dei servizi forniti da SplitIt USA, Inc. (“SplitIt”) al Venditore, l’Acquirente accetta che SplitIt avrà il diritto di comunicare con, e presentare proposte commerciali a, l’Acquirente via e-mail (o altro mezzo). Questa disposizione avrà efficacia per non meno di cinque (5) anni dalla data dell’autorizzazione iniziale. 09. L’Acquirente riconosce che SplitIt non è parte al presente Contratto, che è stipulato unicamente tra l’Acquirente e il Venditore. 10. L’Acquirente riconosce e accetta che SplitIt non è responsabile per la fornitura e la qualità dei beni acquistati in questa transazione. 11. L’Acquirente riconosce che l’origine di tutte le transazioni autorizzate per conto dello stesso deve essere conforme alle disposizioni di legge degli Stati Uniti d’America. L’Acquirente certifica di essere un utente autorizzato della carta di credito utilizzata per questa transazione e per le Rate e accetta di non contestare queste transazioni presso l’emittente della carta di credito dell’Acquirente, a condizione che le autorizzazioni corrispondano ai termini indicati nel modulo di autorizzazione e a quanto altrimenti descritto nelle Sezioni 2 e 3 del presente documento. 12. L’Acquisto accetta che, se la consegna dei beni o servizi non avviene al momento dell’esecuzione del presente contratto, la descrizione dei beni o servizi e la data di scadenza della prima Rata possono essere inseriti dal Venditore nella controparte del contratto del Venditore dopo che è stata firmata dall’Acquirente. 13. Se qualsiasi disposizione del presente Contratto dovesse essere considerata non valida, ciò non avrà effetto sulle restanti disposizioni. 14. INFORMATIVA SULLA PRIVACY. La privacy dell’Acquirente è importante per SplitIt. È possibile ottenere una copia dell’Informativa sulla privacy di SplitIt visitando il sito web consumer.splitiit.com. Nella misura consentita dalla legge, il Venditore e SplitIt possono condividere informazioni sulle loro transazioni ed esperienze con l’Acquirente con altre società affiliate e terze parti non affiliate, comprese le agenzie di segnalazione dei consumatori e altri creditori. Tuttavia, salvo per quanto consentito dalla legge, né il Venditore né SplitIt possono condividere informazioni ottenute da richieste di credito, rapporti di consumo e soggetti terzi con società affiliate con il Venditore o SplitIt se l’Acquirente dà mandato al Venditore o a SplitIt di non condividere queste informazioni. Se l’Acquirente non desidera che SplitIt condivida queste informazioni, deve darne notifica a SplitIt per iscritto via account utente dell’Acquirente su consumer.splitit.com utilizzando la password assegnata all’Acquirente per tale notifica e per accedere alle informazioni sul sito web di SplitIt. L’Acquirente dovrà indicare il proprio nome, indirizzo, numero di conto e le ultime quattro cifre del numero della carta di credito utilizzata in questa operazione in modo che la richiesta possa essere onorata. Il Venditore può segnalare l’account dell’Acquirente alle agenzie di segnalazione dei consumatori. Ritardi nei pagamenti, mancati pagamenti o altre inadempienze sul conto della carta di credito dell’Acquirente potranno essere riportate dall’Emittente nel suo rapporto di credito. 15. ARBITRATO. Qualsiasi reclamo, disputa o controversia (“Reclamo”) derivante dal, o connesso al, presente Contratto, compresa l’applicabilità, la validità e la portata di questa clausola compromissoria o del presente Contratto, è disciplinato dalla presente disposizione. Al momento del deposito da parte dell’Acquirente o Venditore mediante comunicazione scritta all’altra parte, qualsiasi Reclamo deve essere risolto da un arbitrato davanti ad un singolo arbitro, su base singola, senza ricorso ad alcuna forma di azione collettiva (“Rinuncia alla class action”), ai sensi questa clausola compromissoria e delle norme applicabili della American Arbitration Association (“AAA”) in vigore al momento in cui viene depositata la rivendicazione. Tutte le sedute di arbitrato si svolgeranno nello Stato di New York, Contea di New York. Su richiesta scritta dell’Acquirente, eventuali oneri di deposito e amministrativi connessi o valutati dalla AAA dovuti dall’Acquirente e che sono superiori a qualsiasi onere di deposito eventualmente dovuto dall’Acquirente per un Reclamo presso un tribunale statale in New York verranno anticipati e pagati dal Venditore. L’arbitro non potrà assegnare danni punitivi o esemplari nei confronti di qualsiasi parte. SE UNA DELLE PARTI COMINCIA L’ARBITRATO RISPETTO A UN RECLAMO, NÉ L’ACQUIRENTE NÉ IL VENDITORE AVRANNO IL DIRITTO DI PRESENTARE AZIONE LEGALE RELATIVA A TALE RECLAMO IN TRIBUNALE O INTENTARE UN PROCESSO CON GIURIA SU TALE RECLAMO, O PROCEDERE AL REPERIMENTO LEGALE PRE-ARBITRATO, A ECCEZIONE DI QUANTO PREVISTO DALLE REGOLE DI ARBITRATO IN VIGORE. INOLTRE, L’ACQUIRENTE NON AVRÀ DIRITTO A PARTECIPARE COME RAPPRESENTANTE O MEMBRO DI QUALSIASI CLASSE DI RICORRENTI RELATIVI A TALE RECLAMO E L’ACQUIRENTE AVRÀ SOLO I DIRITTI RICONOSCIUTI IN SEDE DI ARBITRATO INDIVIDUALE. IL LODO DELL’ARBITRO È DEFINITIVO E VINCOLANTE PER LE PARTI, SALVO QUANTO PREVISTO DAL FEDERAL ARBITRATION ACT (“FAA”). La presente clausola compromissoria è disciplinata dalla FAA e, se e dove applicabile, dalle leggi interne dello Stato di New York. Se parte di questa clausola compromissoria è ritenuta non valida o non applicabile, non inficerà la validità delle restanti parti di questa clausola compromissoria o del Contratto, restando però inteso che, se la Rinuncia alla class action è ritenuta non valida o non applicabile, allora questa intera clausola compromissoria si intende nulla e improduttiva d’effetti, ma i restanti termini del presente Contratto resteranno in vigore a tutti gli effetti. Qualsiasi tribunale competente potrà pronunciarsi in merito a qualsiasi lodo. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=14mk861jti6y)# Pricing Plans Choose your path to growth with Splitit’s card-linked installments. #### Key Features #### Core [Get a quote](https://www.splitit.com/get-a-quote/) #### Managed [Get a quote](https://www.splitit.com/get-a-quote/) [E-commerce installments](https://www.splitit.com/products/installments-as-a-service/) [Omnichannel installments](https://www.splitit.com/products/vpos-installments/) [Pay after delivery](https://www.splitit.com/products/pay-after-delivery/) Guaranteed full transaction amount i Provided you use a processor fully supported by the Splitit Platform Global payment acceptance White-label Upfront Payments i Get paid the full amount at the time of transaction Automated Reconciliation Fraud Detection and Prevention Enhanced Fraud Detection and Prevention Chargeback Management Enhanced Chargeback Management #### Installment options #### Core [Get a quote](https://www.splitit.com/get-a-quote/) #### Managed [Get a quote](https://www.splitit.com/get-a-quote/) Monthly installments Biweekly installments Partial installments i Allow your customers to pay a larger sum upfront and split the rest over time. Max order value i Limit of $10,000 is set by default. Please contact us for other options. $10,000 $10,000 Min. number of installments 2 2 Max number of installments 12 9 #### Integrations #### Core [Get a quote](https://www.splitit.com/get-a-quote/) #### Managed [Get a quote](https://www.splitit.com/get-a-quote/) BigCommerce Magento Salesforce CC Shopify Wix WooCommerce SAP/Commerce Cloud Custom/API #### Requirements #### Core [Get a quote](https://www.splitit.com/get-a-quote/) #### Managed [Get a quote](https://www.splitit.com/get-a-quote/) Min. annual sales $30,000,000 $30,000,000 Form [Skip to form](https://js.hsforms.net/ui-forms-embed-components-app/frame.html?_hsPortalId=48942024&_hsFormId=0b64f62e-35d3-41fa-99ef-f5d0aa419ad3&_hsIsQa=false&_hsHublet=na1&_hsDisableScriptloader=true&editorVersion=2.0#main) # Not sure if Splitit fits your business? Let’s find out together. We’re here to answer your questions and show you the possibilities. Reach out today for a friendly, no-obligations conversation. Email\* Company Name Message By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our Privacy Policy. You can exercise your data protection rights (in arts. 15-22 of the GDPR) at privacy@splitit.com Submit ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) reCAPTCHA Recaptcha requires verification. [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/) protected by **reCAPTCHA** [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # Splitit Cookies Policy – English _Recently Updated: November 2023_ **SPLITIT** **COOKIES POLICY** This Cookie Policy is an integral part of our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/) and explains what cookies are and how we and third parties use them with respect to the Site and/or Services available through the Website (together will be referred to as “ **Splitit Services**”). For further information on how we use, store and process Personal Data, see our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). Any capitalized terms used and not defined herein shall have the meaning ascribed to them in the Privacy Policy. Cookie Settings 1. **_What are Cookies (and Similar Technologies)?_** - A cookie is a small text file that is placed on the browser of your computer or mobile device (or other end device), by websites you visit and applications you use. Other automated means often used on websites and applications are Pixel tags (also known as web beacons or clear GIFs). Pixel tags are typically transparent graphic images placed on a websites. These pixels are used in combination with cookies to measure the actions of visitors on the websites and applications. Most websites and applications use cookies and other automated means to collect certain data and facilitate services. Cookies are typically used in order to make websites function, or function more efficiently, make your experience when browsing the website or application more enjoyable and smooth, to remember your preferences, to autocomplete details so you don’t have to insert your full details every time you log in (such as user name and password), to tailor content and information that is displayed to you and otherwise work to personalize your experience of the website or application. Cookies are also commonly used a tools enabling websites and applications owners to better understand the use of their products and services, to conduct business analytics and to engage in advertising activities for their business purposes or on behalf of third parties. - There are different types of cookies. Some cookies come directly from the website or application you are browsing and others come from third parties which place cookies. Such types of cookies are commonly categorized as “ **First Party Cookies**” and “ **Third Party Cookies**”, respectively. - Cookies can be stored for varying lengths of time on your browser or device.“ **Session Cookies**” are limited to the duration of you visit to the relevant website or application, and are terminated when you exit the website or application. “ **Persistent Cookies**” will remain stored on your computer or device until deleted or until they reach their expiry date. 2. **_Cookies used by SPLITIT_** - Splitit may use, with respect to its Website and Services, different cookies, including **first** party cookies and third party cookies, **strictly necessary cookies, functionality cookies, and performance (analytic) cookie and advertising cookies** (see below). - Information collected through the Website and Services by the use of cookies includes: - Information about your operating system and device; - Webpages accessed within the Website and Services, the link that led you to there, dates and times you accessed the Website and Services, event information (e.g. system crashes) and general location information (i.e. city or region). - Information provided on the Website and Services by users in order to streamline the user’s experience and prevent user from having to re-enter information during the next visit to the Splitit’s Website and Services; - Number of visitors on the Website and Services and which webpages have been viewed; - To the extent we are using cookies for advertising purposes, we may collect advertising user ID and information associated with targeted advertising. 3. **_Categories of Cookies_** - **Strictly Necessary Cookies**– These cookies are necessary to enable the communication between the user’s device and the website or application, or to provide the user with services requested by him/her, such cookies are used for the sole purpose of carrying out a transmission of a communication over an electronic communications network, or to allow the provider of an online service to provide its services as explicitly requested by users. - **Functionality Cookies**– These cookies allow the website or application to remember choices the user made (such as username, password, language preferences, or region) and provide enhanced, more personal features, to improve the user’s experience on the website or application. - **Performance (Analytic) Cookies**– These cookies collect information about how visitors use the website or application, such as which pages visitors go to most often and if they are likely to get error messages from certain pages. These cookies are used to improve how a website or application works, analyze use patterns of the website or application, and assist the provider to maintain and improve its services. - **Advertising (Targeting) Cookies**– These cookies are used to deliver personalized advertisements to the user. Such cookies may be used to analyze a user’s preferences in accordance with the contextual information about the user’s activities on the website or application (for example, if a user is surfing a webpage displaying an article about a sporting event, cookies may be used to display to the user an advertisement associated with sports fans), or to correlate between a user and information about such user collected from other website or applications (for example, to display to the user an advertisement associated with sports fans based on the user’s profile in other website or applications). These cookies are used to promote advertising campaigns of website and application owners or those of third parties, as well as help measure the effectiveness of an advertising campaign. Advertising cookies are usually placed by advertising networks, which connect between the relevant advertiser and the location of publication of the advertisement. **_4\. Cookies used on the Splitit Services_** The following cookies are used on the Splitit Services: 5. **_International Data Transfers_** It is possible that some of the external entities mentioned above are located in countries outside the European Union, and therefore your data may be transferred to them. You can find out about the transfers to third countries, if any, made by the third parties identified in this Cookies Policy in their corresponding privacy policies (see the links provided in the section “Cookies used on the Splitit Services”). 6. **_How To Manage Cookies_** If you do not want cookies to be placed on your device when browsing and using the Website and/or Services, you can do it through our configuration panel or by adjusting your browser settings to manage or reject such cookies, or to notify you when a cookie is being placed on your browser. These settings are usually found in the ‘Options’ or ‘Preferences’ menu of your Internet browser. For more information on how to change your browser settings, click on the Help section of your Internet browser. Most Internet browsers also allow you to see what cookies are currently stored on your device and selectively delete them as you wish. See below links to common browsers enabling the control of cookies: | | | | --- | --- | | **Browser Type** | | | Chrome | [https://support.google.com/chrome/answer/95647?hl=en;](https://support.google.com/chrome/answer/95647?hl=en;) | | Firefox | [https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-webWebsite-preferences;](about:blank) https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences?redirect=no | | Opera | [https://help.opera.com/en/latest/security-and-privacy/;](https://help.opera.com/en/latest/security-and-privacy/;) | | Internet Explorer | [https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies;](https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies;) | | Safari | [https://support.apple.com/en-il/guide/safari/manage-cookies-and-webWebsite-data-sfri11471/mac;](https://support.apple.com/en-gb/guide/safari/sfri11471/mac) | | Edge | [https://support.microsoft.com/en-us/help/4027947/windows-delete-cookies](https://support.microsoft.com/en-us/help/4027947/windows-delete-cookies) | Please note however, that if you choose to disable certain cookies, some features of the Website and/or Services may not operate properly and your online experience may be limited. Please note that your decision to decline cookies is specific to each browser and device you are using. Therefore, if you opt out of cookies on a particular device and you want the same opt-outs to apply similarly to a different device, you will need to opt out from that other device as well. Note that if you accept third-party cookies, you will need to delete them from your browser options or from the system provided by the third party itself. As a further step, with respect to third party cookies for the purpose of delivering interest-based advertising (if any), please note that certain third parties may be members of one of the following online behavioral advertising self-regulatory programs, with corresponding opt-out options: – Network Advertising Initiative (NAI) – ( [http://www.networkadvertising.org/choices/](http://www.networkadvertising.org/choices/)) – Google Analytics – ( [https://tools.google.com/dlpage/gaoptout?hl=es](https://tools.google.com/dlpage/gaoptout?hl=es)) If at any time you do not want your personal data to be used to allow third parties to show you advertisements or to personalize the advertisements shown to you, you can adjust your settings using the tools provided by such third parties (e.g. Twitter) or through one of the above-mentioned online behavioral advertising self-regulatory programs, provided that such third party is a member of such programs. Finally, please note that most mobile devices allow you to exercise control over tracking for advertising purposes through the “Limit Ad Tracking” option (on iOS devices) or the “Disable Interest-Based Ads” option (on Android). **_7\. Changes and Updates_** We may update this Cookie Policy from time to time. We encourage you to periodically review this Cookie Policy to stay informed about our use of cookies, the information we collect via cookies, and any updates in relation thereto. We will post any changes to this Cookie Policy on the Website and/or Services. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=5exg47t5tapp)Investors # Invest in the future of flexible payments Splitit is transforming the global payments landscape with flexible installments – empowering consumers and driving sustainable growth for merchants and banks. ![Card](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/themes/designbypelling/img/shopper-credit-card-orange.png)![Card](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/themes/designbypelling/img/shopper-credit-card-blue.png)![Card](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/themes/designbypelling/img/shopper-credit-card-black.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/Accelerate-growth-1.svg) ### Scalable growth Our platform integrates seamlessly with existing payment systems, enabling global scalability with minimal friction. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/Customer-loyalty.svg) ### Consumer-first approach Splitit is a trusted partner for responsible spending, avoiding new loans while empowering consumers to manage their finances effectively. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/Global-scale.png) ### Strong partnerships Our strong partnerships with global leaders like Visa and Mastercard provide the foundation for secure, reliable, and scalable payment solutions worldwide. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/splitit-credit-card-linked-installments-1024x683.jpeg) ## Get the latest on Splitit’s growth and innovations Explore the latest news, announcements, and insights about Splitit, including key partnerships, product innovations, and financial updates. [Splitit Newsroom](https://news.splitit.com/) ## Board of Directors [![Dawn Robertson](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/dawn-robertson.jpeg)](https://www.linkedin.com/in/dawn-robertson-ceo/)[**Dawn Robertson**](https://www.linkedin.com/in/dawn-robertson-ceo/) Non-Executive Chairman Dawn is a global business leader of major retailers, department stores, brands and startups, including Old Navy, Myer, Macy’s, Saks, Inc., and Sean John. She has over 30 years expertise at the executive management level in leadership, collaborative problem-solving, with extensive turnaround experience and driving growth. She is currently on the Board of Directors at; OCM – Spire Capital, Women in Retail Leadership, The Apparel Group; the Board of Trustees at Everything, and on the Board of Advisors for Runway of Dreams. Dawn is also the CEO of OCM. [![Dan Charron](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/dan-charron.jpeg)](https://www.linkedin.com/in/dancharron/)[**Dan Charron**](https://www.linkedin.com/in/dancharron/) Non-Executive Director Dan has 30 years of merchant services, payments and fintech experience, including senior executive and board-level roles at some of the largest fintech companies in the world. He most recently served as Chairman, Global Business Solutions at Fiserv, joining the company through its merger with First Data In 2019. At First Data, Charron was Executive Vice President (EVP) of Global Business Solutions. This $5.3 billion division supported over 6 million customers with operations in North America, Europe, Asia Pacific and Latin America. Before Fiserv, he spent 14 years at Chase Paymentech, including serving as President and CEO of the global payment processing business of JPMorgan Chase & Co. [![Nandan Sheth](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/Nandan-Sheth-1024x1024.png)](https://www.linkedin.com/in/nandan-sheth-a13652/)[**Nandan Sheth**](https://www.linkedin.com/in/nandan-sheth-a13652/) Managing Director Nandan brings domain expertise through his work at large payment companies, major banks, Fortune 100 companies and disruptive technology startups across North America and Europe. His record of entrepreneurial success includes scaling and successfully exiting multiple fintech companies, including Harbor Payments (sold to American Express in 2006) and Acculynk (sold to First Data/Fiserv in 2017). His executive experience in the payments and fintech sector spans strategy, scaling innovation, corporate and business development, product development, technology, and operations. Prior to joining Splitit, he served as Fiserv’s Head of Global Digital Commerce as well as Head of Fiserv’s Carat business, an ecosystem of omnichannel commerce solutions for large multinational merchants. [![Chris Williams](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/chris-williams.jpeg)](https://www.linkedin.com/in/chris-williams-9500616/)[**Chris Williams**](https://www.linkedin.com/in/chris-williams-9500616/) Non-Executive Director Chris Williams joined Motive Partners in 2022 and is a Managing Director on the Investment Team based out of the New York office. Chris focuses on investment thesis development, deal origination and execution, and the monitoring of Motive’s portfolio companies. Prior to joining Motive, Chris was a Principal at Oak Hill Capital Partners, where, during his 14-year tenure, he focused on investments across financial, business, and consumer services sectors. This role saw Chris manage investments totaling over $1.5 billion in equity. ## Invest in Splitit Join us as we lead the global shift towards responsible and flexible payments. Invest in Splitit today through Primary Markets and become part of the future of payments. [Primary Markets](https://www.primarymarkets.com/trading-company/splitit-ltd/) [FAQ](https://www.splitit.com/wp-content/uploads/2024/11/Primary-Markets-FAQ-Feb-2024.pdf)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # United Kingdom & Europe – English **Consumer Terms of Service** We are a retailer of goods or services that you are seeking to purchase (“ **us**“, “ **our**” or “ **we**” or “ **Merchant**”). These Consumer Terms of Service (this “ **Agreement**”) is between us and you, the cardholder who is making the purchase (“ **Buyer**“). These terms are in addition to our normal terms of business, including our return policy.  By choosing to make this purchase using instalments, you agree to be bound by this Agreement. These additional terms for payment by instalment apply when you select the option of paying for your purchase by instalments, using a payment card issued by a credit card issuer (“ **Issuer**”). In order to process card payments by instalment, we are using a third party technology service provided by Splitit UK Ltd (“ **Splitit**” or “ **Service Provider**”). You have not entered into any agreement with Splitit. **How it Works**. By selecting the “Splitit” payment option at the checkout page, you authorize us to put a hold on your payment card for the Total Sale Price (as defined below under **Authorisations**), however we will only charge the eligible card provided to us over time in the number of payments and amounts that you selected at checkout (we call these payments “ **Instalments**“). The date and amount of each Instalment is shown at checkout before you complete your purchase and a complete record is emailed to you immediately after you complete your purchase.  We will charge the initial payment (the first Instalment) to your card when your order is completed (or later, if shipment is later, in accordance with the payment schedule).  Each subsequent Instalment is charged monthly, on the dates shown in the payment schedule presented to you at checkout, until the entire amount due under this Agreement is paid. As further described under the **Authorisations** section, your card is eligible if there is available credit (or balance, in the case of a debit card) to support an authorisation for the Total Sale Price and you are authorized to use the payment card to make the transaction. **If we are not able to renew an authorisation for the amount you owe by your next Instalment due date we may charge your card for the Total Sale Price, less the amount of any Instalments you have already paid.** Neither we nor Splitit impose any interest or additional charges on you for selecting this payment option. However, we are required by law to warn you that you may have to pay other taxes or costs that are not imposed by us (such as internet charges, fees and interest imposed by the Issuer or charges imposed by customs in your country). **IN PARTICULAR, PLEASE NOTE, AS INSTALMENT PAYMENTS ARE BEING CHARGED TO YOUR CARD, YOU MAY BE CHARGED INTEREST AND FEES OR OTHER CHARGES IMPOSED BY YOUR CARD ISSUER UNDER THEIR** **AGREEMENT WITH YOU. THIS COULD INCLUDE LATE PAYMENT FEES, OVERDRAFT FEES, PERIODIC INTEREST, OR OVER-THE-LIMIT FEES. YOU ARE SOLELY RESPONSIBLE FOR THESE FEES.** **Authorisations.** If you provide a credit card to make payments, we may obtain an authorisation against your credit card for up to the total amount of your purchase (“ **Total Sale Price**”). An “authorisation” means that the available credit on your credit card will be reduced by an amount, up to the Total Sale Price, in order to ensure you have sufficient available credit to make future payments. **You will likely not be able to use that amount of your credit line while the authorisation remains in place, subject to rules imposed by your Issuer.**  Even if your Issuer does not restrict the available credit, you must ensure that you have enough available credit to cover the full outstanding amount owed under this Agreement for your purchase at all times. To ensure we retain a valid authorisation against your credit card, we will renew the authorisation periodically using the credit card details provided at the time of purchase (or a subsequent credit card you provide). The amount of each authorisation will be reduced by Instalments already paid. It may take up to 5 days for the amount of the authorisation to be reduced after you make a payment. We will notify you by email approximately 24 hours before the authorisation is renewed. If any authorisation we seek to make against your credit card fails, we will contact you by email (using the email address you provided at checkout) to let you know. We may also contact you via SMS to the extent you have authorized us to do so.  We will also keep attempting to get approval for the authorisation by submitting a request to you payment card periodically for up to 7 days.  You can provide us with a different eligible credit card to use for authorisations and Instalments via the consumer portal, using the unique link we email to you when you enter into this Agreement (“ **Portal**“).  By providing a new credit card, you authorize us to obtain authorisations for the remaining amounts owed under this Agreement, as set forth in this Agreement, and you further authorize us to charge this updated credit card for outstanding Instalments owed, when due under this Agreement. You also authorize us to charge or refund your credit card as necessary to correct any errors. **If we are not able to renew an authorisation for the amount you owe under this Agreement by your next Instalment due date, and you do not make an Instalment payment by the due date (subject to any applicable grace period) or successfully authorize those amounts on another eligible card, we may charge your credit card for the Total Sale Price, less the amount of any Instalments you have already paid.** **Debit cards**. We may, but are not required to, allow you to use a debit card to complete your purchase. If you provide a debit card to pay Instalments under this Agreement, a temporary hold may be placed against your debit card for the Total Sale Price at the time of purchase, but we will only charge your debit card for your first Instalment payment at this time. The remaining amount of the hold, if applicable, will be cancelled in approximately 3 – 5 days after the date of your purchase, but processing times may vary depending on your bank. We will continue to charge your debit card, monthly, for the amount of each subsequent Instalment, on each Instalment date, until the entire amount due under this Agreement is paid. In the event that there are insufficient funds available on the debit card to pay any Instalment, we will notify you. **If any payment attempt is unsuccessful or** **returned to us unpaid, we may retry the payment attempt, unless prohibited by law.** **BY COMPLETING THIS PURCHASE, YOU PERMIT US TO TAKE AUTHORISATIONS (IF APPLICABLE) AND PAYMENT IN INSTALMENTS IN THE WAY DESCRIBED ABOVE AND CONTACT YOU IN CONNECTION WITH YOUR PURCHASE.** **Handling Card Payments and Notifications**. We use a third-party technology platform provided by Splitit to keep a record of payments you owe us and we use their platform to process authorisations and payments at the times we have agreed and to send notifications to you. You will see some of the emails say they are “powered by Splitit”. This should help you identify what payments we are contacting you about. You never enter into an agreement with Splitit. **Returns and Cancellations**. You may return the goods to us as set forth in our Return Policy. Under UK consumer protection laws, you have 14 days from the day after you made your purchase to cancel this Agreement but we allow you to cancel this Agreement at any time by informing us in writing or by email or via the Splitit platform.  This Agreement may not be cancelled if you only tell us orally. If you give us notice that you want to cancel this Agreement, it will be terminated and all outstanding Instalments will become immediately due. You may need to provide additional information in connection with any notice of termination or cancellation in order for us to properly identify the Agreement that is being terminated.  We will send you an email following the completion of your purchase with details of how you can access information on your payments in a secure, password protected consumer portal.  There is information on how you can terminate the Agreement maintained on our website and through the secure, password protected consumer portal.  You can email our Service Provider at support@splitit.com. **Default**. Subject to applicable law, which may require that we notify and/or give you a right to cure your default, we may declare you in default under this Agreement for any of the following reasons: (1) you fail to pay any Instalment by the due date, and after any applicable grace period; (2) you violate any promise you make to us in this Agreement which significantly impairs your ability to pay or our ability to collect the amounts due under this Agreement; (3) you file for bankruptcy, or become subject to a proceeding which seeks relief from debt; (4) you have made a false or misleading statement about an important matter in connection with this Agreement; (5) you revoke your consent to electronic communications; or (6) you die or become legally incompetent. **Consequences of Default**. If you are in default of this Agreement, we can require you to pay the remaining amount you owe us under this Agreement immediately, subject to any right you may have to notice of default and to cure such default.  We may seek payment of this amount by charging your credit or debit card pursuant to any authorization you provided us under this Agreement. **Assignment**. You are hereby notified and agree that we may transfer, sell, or assign this Agreement, the Instalments, or any associated rights, to a third party, including Splitit or one of its affiliates, without any further notification to you. If we do so, this Agreement will remain in effect and will be binding on and will inure to the benefit of our assign(s). You may not transfer your rights under this Agreement and any attempt to do so will be void. **Governing law; Miscellaneous** This agreement (and our dealing prior to this Agreement being made) shall be governed by English law, provided that you are entitled to the benefit of any mandatory consumer protection rules of the country of your primary residence.  All communications from us with you will be in English. The courts of England and Wales have jurisdiction to hear any disputes about this Agreement, including any question regarding its existence, validity or termination, unless you live in another part of the UK in which case any disputes may be brought in that part of the UK. If any provision of this Agreement or portion thereof is held to be unenforceable, this determination will not affect the remainder of this Agreement. **Using your information** You will find a copy of our privacy policy on our website that you can review in connection with your purchase.  As Splitit handles our payment requests and instructions for us, they will handle your data and we will pass information between us.  You may obtain a copy of Splitit’s Privacy Policy by visiting their website at [http://splitit.localsite/legals/splitit-privacy-policy/english/](http://splitit.localsite/legals/splitit-privacy-policy/english/). We may share information about our transactions and interactions with you with Splitit and other affiliated companies. We may also share information about our transactions and interactions with unaffiliated third parties in connection with providing this service to you, including fraud detection services. However, the law may permit you to instruct us not to share this information with certain third parties. If you do not want us to share this information, you must notify us in writing or by email through our Service Provider at: support@splitit.com.  If you email us a notification, you must include your name, address, and the last four digits of your card number used in this transaction so that such a request can be honoured.  Do not include your full card details in this email. **Communications**. After completing your purchase, you will see some communications from us saying they are “powered by Splitit”. Splitit will send you an email following the completion of your purchase with details of how you can access information on your payments in a secure, password protected Portal.  You are responsible for obtaining and maintaining all telecommunications, mobile, broadband, computer, hardware, software, equipment and services needed to access information about this Agreement or your payment method; viewing, saving and/or printing your account documents online; and receiving any messages or documents you have consented to receive electronically. Some of the communications between you and us or any of our affiliates, agents, assigns and service providers, may be monitored and recorded. You agree that we or our service providers may send e-mails to you at any e-mail address you provide us or use other electronic means of communication to the extent permitted by law. We are not required to act on any instruction or message from you provided by fax, SMS/text, telephone voice mail, message service or answering machine. Whenever this Agreement or applicable law requires or allows you to give us written notice, we will not consider SMS/text or fax to be written notice. You must notify us promptly of any changes to your e-mail address, phone number, mailing address, or other contact information by using the Platform or by emailing our Service Provider at support@splitit.com. **Who to contact about this Agreement.** Occasionally, you may require additional assistance in connection with this Agreement (for example, replacing payment method, number of outstanding Instalments, etc.). You may obtain information about your Agreement, including your remaining Instalments and your selected payment method through the Portal. You may also contact us through our Service Provider at support@splitit.com for technical support and information about this Agreement. If you have any questions about the goods and services you purchased under this Agreement, please contact our customer services department through the information provided on our website. We clarify that we hired Splitit to provide certain services and you do not have any agreement with them.  Splitit cannot agree to any alternative arrangements other than to allow you to use a different card for the payment of any unpaid Instalments. In addition, Splitit does not have information regarding your relationship with the Issuer and accordingly cannot handle questions related to that arrangement. To the extent there are any conflicts between this Agreement and our normal terms of business, the provisions contained herein take precedence. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=59vpku7az1y)E-commerce installments # The world’s largest card-linked installment provider Splitit’s Installments-as-a-Service puts the power back in the hands of merchants to retain customers, drive conversion, and increase average order value. - **Fully embedded at checkout** - **Highest approval rates** - **No new loans or applications** [Book a demo](https://www.splitit.com/merchants/products/e-commerce-installments/#contact-sales) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/e-commerce-installments-hero-947x1024.png) ![Google](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping 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Allen](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping 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Network](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Google](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/ableton1.png) ## Credit card installments unlock huge potential ### 1.2bn approved customers Anyone with a credit card can use Splitit, anywhere in the world – no registration, application, or underwriting required. ### $35,474 avg. credit available Customers can maximize their purchasing potential using the credit they have already earned, without paying interest. ### 85%+ approval rate Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. White-label installments ## Frictionless payments Splitit provides the technology that empowers you to offer installment payments embedded within your existing customer journey. Pay now$2,500Pay in 3$833.33Pay in 9$277.78$2,500Or from $416.66/moLearn more ### Own the end-to-end journey Splitit places your brand at the heart of every transaction, ensuring that you maintain complete control over the customer experience. By managing the entire journey, you can tailor the shopping experience to reflect your brand’s unique values and drive repeat business. ### Use existing credit Splitit removes the high risks of legacy BNPL by using existing credit, meaning there is no underwriting and we won’t hurt your shopper’s credit rating. Plus, shoppers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud. ### No registrations or redirects Splitit embeds into your current purchase flow, allowing any consumer with an active credit card to use the service – there’s no registration or application needed. Our seamless integration keeps the checkout smooth and straightforward, resulting in higher conversion rates and a checkout that is quick, easy, and secure for your shoppers. ![]() ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/vestiairecollective_logo.svg) We can propose Splitit for high-value items, where we could not with other buy now, pay later solutions **Pedro Bennasar**, Head of Payments, Vestiaire Collective [Read the full story](https://www.splitit.com/success-story/vestiaire-collective/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/emma-logo.svg) Splitit has definitely been a big factor in increasing our conversions and overall interest in our product. **Alicia Fernandes**, Project Manager at Emma [Read the full story](https://www.splitit.com/success-story/emma/) ## The future-proof pay-later option Splitit’s Installments-as-a-Service platform is a new way to drive installment payments through a merchant-branded experience. While merchants are experiencing increased sales with legacy BNPL, they also face several challenges: losing control of consumer relationships, poor checkout conversion due to consumer friction, low credit approval rates and heightened regulatory scrutiny. Splitit’s Installments-as-a-Service platform mitigates these issues, making it the most attractive value proposition for merchants. [Explore our plans](https://www.splitit.com/pricing-plans/) ### Feature ### Legacy BNPL ### Splitit Use Existing CreditNo RegistrationWhite-labelGoogle Pay/Apple PayAt CheckoutMerchant IntegrationsIndustry AgnosticNo Credit CheckLow RiskAverage Order Value $250 $1,000+ ## Customize your white-label installments Splitit’s Installments-as-a-Service solution gives you full flexibility on your BNPL offering. Do you want your customers to pay monthly, or every two weeks? Do you want to offer down payments, or allow your customers to only pay on delivery? We’ll make it work for your needs. ![]() ### Pay monthly Give your customers the option to pay in monthly installments. ![]() ### Pay every two weeks For added flexibility, we also offer the option for your customers to split the cost of their purchase and make payments in 2 week installments. ![]() ### Partial installments Allow your customers to pay a larger sum upfront and split the rest over time. ![]() ### Pay after delivery Allow customers to pay when the item is delivered. You can also offer for customers to pay with installments after delivery (just like Cash on Delivery, but digital!). ![]() ## Frequently asked questions ## What are installment payments? Installment payments allow customers to spread the cost of a product or service, instead of paying the whole price at once. Depending on the plan they choose, shoppers only pay a percentage of the cost and pay the rest in equal monthly payments over an agreed period. ## Why offer installment payments? Installment payments offer customers the flexibility to purchase higher-end, quality products and services but spread the cost over a time that suits them. Offering installment options to your customers increases conversion, along with average order value and builds brand loyalty. With Splitit, there are never any hidden fees or interest rates and customers can also enjoy the usual benefits of using their existing credit card. ## How does Installments-as-a-Service work? Splitit provides the technology to fully integrate into your existing payment platforms, simplifying the journey to purchase. Our services work as a layer between your ecommerce platform and your existing payment gateway. Splitit can be set up easily via a single API integration, which works globally. ## Is a credit check required for Installments-as-a-Service? Credit checks are not needed to make use of our Installments-as-a-Service solution and it will not affect your customer’s credit score. All a customer needs is their existing credit card and enough available credit to cover the cost of the purchase.## Simple monthly payments Use your existing credit card. No new loans or applications needed. [Manage my account](https://consumer.splitit.com/) [I need help](https://support.splitit.com/hc/en-us/categories/360002236160-Shoppers) “Splitting the lump sum into easy chunks and still pay by credit card is a win-win, great solution so far!” Jacqui ![Card](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/themes/designbypelling/img/shopper-credit-card-orange.png)![Card](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/themes/designbypelling/img/shopper-credit-card-blue.png)![Card](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/themes/designbypelling/img/shopper-credit-card-black.png) [Trustpilot](https://www.trustpilot.com/review/www.splitit.com) ## We do things differently ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/Partial-payments-1.png) ### No additional interest or fees Splitit will never charge you interest or fees (your standard credit card T&Cs still apply). ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/Payment-processors-1.png) ### No new loans Use the credit you have already earned. All you need is the balance available on your credit card. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/E-commerce-installments-1.png) ### Keep the rewards coming You get all the benefits of paying with your credit card, including rewards, transaction insurance and protection against fraud. ## How Splitit works Splitit guarantees your purchase, by placing a hold on your credit card. This is not a payment, it’s just a pre-authorization that allows you to pay off your balance over time, before accruing any interest. You get all the benefits of paying with your credit card, including rewards, transaction insurance and protection against fraud. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/how-splitit-works-for-shoppers.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/Authorization.png) ### Authorization Splitit authorizes the full amount of the purchase on your existing credit card and holds the balance from your credit card. In most cases the hold is only temporarily held on your card and the duration is dependent on your issuing bank. In some cases the hold may remain on your card for the duration of your payment plan. Please check with the business you are purchasing from for more details. You will need the full purchase amount available as credit on your credit card on the day of purchase. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2025/01/how-splitit-authorization-works-us.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/Pay-monthly-1.png) ### Installment plan The first installment is charged a few seconds after the purchase authorization or upon shipping, depending on the merchant and your selected plan. Splitit will charge your credit card every month until the plan is finished. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/how-it-works-installment-plan.jpg) Creating an account ## No account setup needed Splitit works with your existing credit card, utilizing the credit you have already earned, and can be used with any merchant who has Splitit added to their checkout. After purchasing with Splitit you will get access to your personal online portal where you can manage your plan. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/pay-later-monthly-installments-on-your-credit-card.png) FAQ ## Still have questions about how Splitit works? You can find answers to our most commonly asked questions here. If you can’t find what you’re looking for, please visit our Support centre where you’ll find lots more answers, plus you can live chat with us. ## How can I contact Splitit? Please visit our [support centre](https://support.splitit.com/hc/en-us). ## Can I pay with a debit card? No, unfortunately not. We are only able to accept credit cards at the present time. ## Which credit cards are supported by Splitit? Splitit is supported by Visa, Mastercard, and depending on the merchant, Discover and UnionPay. ## Where can I find Splitit Terms & Conditions? You can find all our terms and conditions [here](https://www.splitit.com/legals/splitit-shopper-terms-conditions/united-states/). ## Do I use a card I already have? Yes. Splitit helps consumers use their existing credit card to turn purchases into smaller, monthly payments. The full amount of your purchase is authorized (held) on your credit card to guarantee future payments so you need to have at least that amount in available credit on your card. The authorization amount reduces with each monthly payment you make until the balance is cleared and we renew these authorizations periodically. The previous authorization is removed as soon as we receive a new one. ## What’s the difference between a payment and an authorization? Payments are the regular installments that are charged to your credit card. Authorizations for the full outstanding amount are taken in addition to your regular installments, to guarantee your future payments. When you buy using Splitit, the retailer takes your first installment straight away, this may be later if your goods are being shipped at a later date. The rest of your monthly installments are automatically taken on the same date as your first one. This date cannot be changed. Monthly installments show as ‘charged’ or ‘posted’ on your account. In addition to your monthly installment payments, the full outstanding amount is authorized (held) on your card to guarantee future payments. Authorizations are usually renewed every 17-21 days until your plan is paid off. Authorizations get smaller with each installment paid. The previous authorization is released once a new one is obtained. Authorizations show as ‘pending’ or ‘reserved’ on your account. If your plan is kept on track, these authorizations are not charged. ## How long are authorizations held for? In addition to your monthly installment payments, the full outstanding amount is authorized (held) on your card to guarantee future payments. Authorizations are usually renewed every 17-21 days until your plan is paid off. Authorizations get smaller with each installment paid. The previous authorization is released once a new one is obtained. Authorizations show as ‘pending’ or ‘reserved’ on your account. If your plan is kept on track, these authorizations are not charged. You can check your monthly payments as well as whether a re-authorization is due (when and for how much), in the Splitit [shopper portal](https://consumer.splitit.com/). There are some variations to the above, depending on your retailer and the payment processor they use. To see exactly how your plan works, log in to the [shopper portal](https://consumer.splitit.com/) and under ‘Plan Details’ click on ‘How Splitit Works?’. This will take you to a detailed explanation of your particular plan. ![]() We’re here to help ## Live chat Instant answers to your questions [Chat with Us](https://www.splitit.com/shopper/#) Or [email us](https://support.splitit.com/hc/en-us/requests/new) and we aim to reply within 24 hours.# Omnichannel Installments Versatile payment options to make it easier than ever to drive revenue, enhance customer satisfaction, and boost your business. [Book a demo](https://www.splitit.com/merchants/products/omnichannel-installments/#contact-sales) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/splitit-education-pay-in-installments-300x200.jpeg)![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/splitit-installments-in-store-vpos-300x200.jpeg)![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/in-store-installments-consumer-financing-1-300x168.png)![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/best-in-class-support-installment-payment-solutions-300x158.jpg) Mobile installments ## Installment Payments. Anywhere. Set up installment plans on the fly, with no complicated registration or credit checks for your customers. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/in-person-installment-payments-300x300.png) ### In-person Simply share a QR code or send a payment link via email or SMS. Your customers can select a payment plan that suits them best. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/over-the-phone-installment-payments-300x300.png) ### On the phone Accept payments over the phone and let your customers choose their preferred number of installments without the need for new credit applications. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/e-commerce-bnpl-installment-payments-300x300.png) ### Online Integrate Splitit’s installment options directly into your checkout process, or send a payment link to your customers. [Splitit for e-commerce](https://www.splitit.com/merchants/products/e-commerce-installments/) ## How Splitit works Splitit uses your customers’ existing credit card to enable them to split the cost of their purchase into smaller payments. Splitit’s frictionless solution is embedded in the merchant checkout and requires no applications, credit checks or underwriting. Your customers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/how-splitit-works-for-shoppers.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/Authorization-1.png) ### Authorization Splitit authorizes the full amount of the purchase on the shopper’s existing credit card and temporarily reserves the balance from their credit card. The shopper will need the full purchase amount available as credit on their credit card on the day of purchase. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/Pay-monthly.svg) ## Installment plan The first installment is charged a few seconds after the purchase authorization or upon shipping. Splitit will charge the shopper’s credit card every month until the plan is finished. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2025/01/how-splitit-authorization-works-us.png) ## The future-proof pay-later option Splitit’s Installments-as-a-Service platform is a new way to drive installment payments through a merchant-branded experience. While merchants are experiencing increased sales with legacy BNPL, they also face several challenges: losing control of consumer relationships, poor checkout conversion due to consumer friction, low credit approval rates and heightened regulatory scrutiny. Splitit’s Installments-as-a-Service platform mitigates these issues, making it the most attractive value proposition for merchants. [Explore our plans](https://www.splitit.com/pricing-plans/) ### Feature ### Legacy BNPL ### Splitit Use Existing CreditNo RegistrationWhite-labelGoogle Pay/Apple PayAt CheckoutMerchant IntegrationsIndustry AgnosticNo Credit CheckLow RiskAverage Order Value $250 $1,000+ ![Google]()![James Allen]()![Canyon]()![Nectar]()![Vestiare Collective]()![AliExpress]()![Byte]()![Gem Shopping Network]()![Ableton]()![Google]()![James Allen]()![Canyon]()![Nectar]()![Vestiare Collective]()![AliExpress]()![Byte]()![Gem Shopping Network]()![Ableton]()![Google]()![James Allen]()![Canyon]()![Nectar]()![Vestiare Collective]()![AliExpress]()![Byte]()![Gem Shopping Network]()![Ableton]()![Google]()![James Allen]()![Canyon]()![Nectar]()![Vestiare Collective]()![AliExpress]()![Byte]()![Gem Shopping Network]()![Ableton]() ![]()### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # Hong Kong – Traditional Chinese 消費者服務條款（亞太區條款） 我們是閣下想購買之商品或服務的零售商（下稱「 **我們**」、「 **我們的**」或「 **本公司**」）。本協議是我們與進行購買的持卡人之間訂立的協議（下稱「 **閣下**」）。 閣下已表示希望向本公司進行購買。此購買行為須受一般的商業條款以及這些附加條款的約束，並在雙方之間訂立「 **購買協議**」。閣下已表示希望使用核發給閣下的付款卡進行支付，此等支付行為會透過 Splitit Australia PTY Ltd（見下文）提供的服務進行。 在結帳頁面選擇「 **Splitit**」付款選項，即代表我們同意將按照閣下在結帳時選擇的付款次數（我們稱為「 **分期付款**」）從符合條件的付款卡扣除付款金額。我們會在閣下完成訂購前，在網站上顯示我們每期將收取的金額，並會在閣下完成訂購之後，經由電郵立即寄送相關資料給閣下。第一期款項會在閣下完成訂單時收取（如果送貨時間延遲，我們可能會稍後再收取；但無論如何，我們都會在閣下訂購後的28天內收取首期款項）。隨後每期款項都會按月收取，直至此購買協議中的全部款項全數繳清為止。 本公司或 Splitit 均不會因閣下選擇此付款方式而向閣下收取任何利息或額外費用。不過，按照法律規定，我們必須提醒閣下，閣下可能需要支付並非由我們收取的其他稅款或費用（例如，上網費用或由閣下所在國家/地區之海關徵收的費用）。 請特別注意，由於款項會從閣下的付款卡扣除，發卡機構可能會按照其協議向閣下收取利息或費用。倘若閣下的付款卡餘額不足以繳付我們按照協議所收取的金額，則可能會產生遲繳費用或超逾信用限額費用。 倘若閣下使用信用卡繳付分期付款的款項，我們可能會在訂購時要求取得閣下信用卡的預先授權，金額為購買協議的總金額。預先授權表示閣下信用卡之可用信用額度的一部分（即購買協議的總金額）將會凍結，以確保將來能夠順利支付相關款項。這表示我們能夠根據購買協議的規定收取相應的訂購總價（或者已到期而尚未繳付的任何金額），此預先授權金額將會按時間逐步減除。為確保我們就向閣下提供的商品和服務而獲得閣下信用卡的有效預先授權，我們將會提交閣下結欠金額的預先授權，使用訂購時提供的信用卡詳細資料，每 21 天更新一次預先授權金額。我們會在著手更新預先授權的 7 天通知閣下。 閣下的信用卡發卡機構將會從閣下的信用卡凍結我們已進行預先授權的金額，因此，只要我們的預先授權金額仍然有效，閣下便無法動用這部分的信用限額。即使發卡機構釋放信用卡限額，閣下仍需確保信用卡有足夠的可用資金，以繳付閣下在此購買協議中對本公司的全額欠款（不包括閣下已經繳付給我們的總額）。 倘若我們對閣下信用卡的任何預先授權出現失敗情況，我們將會透過電郵通知閣下。在接下來的 7 天內，我們會每天提交一次申請，以繼續嘗試獲得預先授權交易批准。閣下可以向我們提供另一張有效及接納的信用卡，以取代原卡進行預先授權和付款。之後，我們將會使用此信用卡提交款項的預先授權並進行其後的結算。  **如果我們無法按照上述流程更新閣下在此購買協議中欠款的預先授權，我們將會根據對信用卡的上一次預先授權內容，提交一份付款申請，其金額為購買總價減去已按時間繳付的分期款項。** 如果閣下提供扣帳卡作為購買協議的付款方式，我們在訂購時可能會對該扣帳卡進行首次預先授權，並會在最多 5 天內撤銷此授權。之後不會再對閣下的扣帳卡進行預先授權。與使用信用卡的做法相同，我們會繼續按月從扣帳卡中收取分期付款的款項，直至此購買協議中的全額均已繳清。如果該扣帳卡餘額不足，我們將會通知閣下，並在遵守相關法例的情況下，使用閣下之前提供的扣帳卡詳細資料繼續嘗試收取欠款。 **如果扣款不果，我們將會根據閣下目前在我們記錄中的扣帳卡詳細資料，提交一份付款申請，其金額為購買總價減去已按時間繳付的分期款項。** 閣下可以隨時向我們提供另一張有效的扣帳卡，以取代原卡支付其後的分期款項。 **完成訂購，即代表閣下允許我們按照上述方式進行預先授權（如適用）和收取分期款項，並就購買協議的相關事宜與閣下聯絡。** 我們將會從閣下訂購時提交的信用卡或扣帳卡收取每筆分期款項。在繳付最後一筆分期款項之前，閣下有責任確保： - 此付款卡仍然有效，而且不會被取消。 - 閣下的付款卡上有足夠餘額進行預先授權（如適用）和繳付所有結欠的分期款項。 如果閣下的信用卡或扣帳卡已更換、取消或因其他原因而失效（付款卡失效後，我們按照購買協議提交的預先授權或扣款就會失敗），我們可以從另一張付款卡來收取分期款項。  我們將與閣下聯絡，而閣下必須立即登入 Splitit 平台，並提供新的或不同的付款方式，或提供另一張付款卡的詳細資料，以便繳付剩餘的欠款。  如果閣下未能提供其他付款方式，本購買協議將會立即終止，而購買協議中的所有結欠款項都會立即到期，並需立即支付。 根據法律規定，自閣下訂購日起 14 天內，閣下可以取消本購買協議（此權利與閣下取消購買協議的任何權利不同，後者的詳情載於本網站）。在此之後，從閣下通知我們退貨開始，還有額外 14 天的時間可以取消協議。在任何情況下，閣下都可以透過書面文件、電郵或 Splitit 平台隨時通知我們取消此購買協議。  恕不接受透過口頭溝通取消此購買協議。如果閣下通知我們想取消此協議，則該協議將會立即終止，所有結欠的分期款項都將立即到期。閣下可能需要提供與終止或取消通知有關的其他資料，以便我們正確識別需要終止的購買協議。完成訂購後，我們將會向閣下寄送一封電郵，當中詳細說明了閣下如何使用安全以及受密碼保護的消費者入口網站存取付款資料。閣下可在我們的網站或透過安全以及受密碼保護的消費者入口網站，查閱有關終止 Splitit 付款協議的詳細資料。閣下可以電郵至 support@splitit.com 通知我們。 **處理付款事宜** 我們使用第三方技術平台記錄閣下在此購買協議中結欠我們的款項，並且使用該平台按我們同意的規定提交預先授權申請和扣款申請。該公司的名稱為 Splitit Australia PTY Ltd，其地址為 Coghlan Duffy & Co, Level 42, Rialto South Tower, 525 Collins Street, Melbourne, Victoria, 3000 Australia。閣下不會與 Splitit 簽訂協議。 我們使用該公司的技術平台來監控閣下需要支付的金額以及應付款的時間，並向閣下寄送通知。閣下會看到「由 Splitit 提供技術支援」等字眼，有助閣下識別我們要與您討論的付款事宜。 謹此通知閣下，就 Splitit 所提供的服務而言，我們可能會向 Splitit、其聯屬公司或另一間第三方公司出售和轉讓該分期付款及相關權利。在某些情況下，Splitit 或其他服務提供者可能會代替我們直接獲得預先授權和分期付款。不過，如果出現這種情況，閣下在此購買協議下的權利不會受到影響。 **適用法律；其他內容** 此協議（以及我們在此協議簽訂之前所達成的交易）受新南威爾士州的法律管轄，前提是閣下有權享受主要居住國家/地區的任何強制性消費者保護條例的權益。我們與閣下之間的所有溝通都會以英語進行。對於因此購買協議而引起或與之相關的任何糾紛、爭議或索償（包括與該協議的存續、效力或終止相關的任何疑問），新南威爾士州法院擁有專屬管轄權。 倘若此購買協議中的任何條款或部分內容不能執行，此決定不會影響到本購買協議中其餘內容的執行。 **使用閣下的資料** 閣下可在我們的網站上查閱我們的私隱政策。在購買時，網頁將會向閣下顯示相關內容。由於 Splitit 負責為我們處理付款請求和指令，他們將會處理閣下的資料，而我們也會透過該公司傳遞資訊。閣下可瀏覽他們的網站，並取得 Splitit 私隱政策的副本，網址為 [http://splitit.localsite/legals/splitit-privacy-policy/english/](http://splitit.localsite/legals/splitit-privacy-policy/english/). 我們和 Splitit 可能會與閣下和其他聯屬公司分享有關我們交易和體驗的資料。我們可能會與閣下和獨立的第三方（包括信貸評級機構、其他債權人以及欺詐偵測服務提供者）分享交易和體驗的相關資料。 但是，除非法律許可，否則如果閣下指示我們不要分享從信貸申請、消費者報告以及任何第三方獲取的資料，則我們和 Splitit 都不會與我們的聯屬公司分享此等資料。倘若閣下希望我們不要分享此等資料，必須透過書面形式通知我們（我們將為閣下提供此操作的詳細流程），或電郵至 support@splitit.com 通知我們。如閣下透過電郵通知我們，則郵件中必須列明閣下的姓名、地址、帳號以及閣下在此交易中所用卡號的最後四位數字，以便我們及時處理閣下的要求。請勿在此電郵中列出付款卡的完整詳情。  我們可能會向信貸評級機構報告此協議的資料。 **協議相關事宜的聯絡人** 閣下或需其他協助來履行此購買協議（例如，更換付款方式、結欠的分期款項期數等）。Splitit 的網站提供了相關資料（ [www.splitit.com](http://splitit.localsite/)）、電郵地址（support@splitit.com）和聯絡電話，閣下可以透過這些渠道解決與我們所用技術平台有關的問題。但我們需要澄清，我們雇用 Splitit 來提供某些服務，閣下與該公司之間不存在任何協議。除了上述為使用不同付款卡所定下的規定之外，他們不能就任何替代的付款處理方法與閣下達成協議。此外，他們不了解閣下與發卡機構之間的關係，因此無法處理與之相關的問題。  如果閣下對本公有欠款，並希望與我們商討，請在我們的網站上聯絡客戶服務部。 如果此購買協議與我們的標準條款與細則有任何抵觸之處，則以本協議之條款為先。 Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=4v45fvyxws0z)# Installments for automotive purchases Offer a responsible BNPL solution for vehicles, car parts and maintenance. Allow shoppers to split their payments using their own credit card. [Book a demo](https://www.splitit.com/merchants/industries/automotive/#contact-sales) ![](https://www.splitit.com/wp-content/uploads/2024/11/splitit-installment-payments-for-automotive-businesses-small-300x247.png)![](https://www.splitit.com/wp-content/uploads/2024/11/consumer-financing-auto-companies-300x187.jpg)![](https://www.splitit.com/wp-content/uploads/2024/11/splitit-financing-car-tyre-replacement-300x200.jpg)![](https://www.splitit.com/wp-content/uploads/2024/11/splitit-bnpl-for-car-mechanics-300x200.jpg) ![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png) ## A more responsible way to pay We are the only installment payment solution that allows shoppers to use their existing credit card at checkout without increasing their debt. [Regulations are changing](https://www.splitit.com/blog/splitit-the-most-relevant-bnpl-with-regulations-looming/) for legacy BNPL providers, be prepared and act now. Splitit Embedded Ecommerce Installments - YouTube Splitit 489 subscribers [Splitit Embedded Ecommerce Installments](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc) Splitit Search 1/1 Info Shopping Tap to unmute If playback doesn't begin shortly, try restarting your device. Up NextCancelAutoplay is paused You're signed out Videos you watch may be added to the TV's watch history and influence TV recommendations. To avoid this, cancel and sign in to YouTube on your computer. CancelConfirm Share Include playlist An error occurred while retrieving sharing information. Please try again later. Watch later Share Copy link Watch on 0:00 [Previous (SHIFT+p)](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Previous (SHIFT+p)")[Next (SHIFT+n)](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Next (SHIFT+n)") / •Watch full videoLive • [Watch on YouTube](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Watch on YouTube") ## Frictionless payments Splitit embeds the entire BNPL process directly into your checkout, offering flexible pay-later options without third party registrations or applications. Customers can use their existing credit card to split payments into convenient monthly installments, whether they’re purchasing expensive auto parts or paying for car maintenance, without applying for a new loan. Splitit empowers customers to manage their auto-related expenses responsibly while keeping your checkout process simple and efficient. [Book a demo](https://www.splitit.com/merchants/industries/automotive/#contact-sales) Pay now$2,500Pay in 3$833.33Pay in 9$277.78$2500or from $277.78/mo ### Own the end-to-end journey Our installment payment solution puts your brand at the center, allowing you to keep control of your customer journey and increasing your brand loyalty. Customers can choose to pay later for car maintenance or car parts directly through your platform, with no credit checks or applications required. Splitit integrates seamlessly into your automotive or auto parts store, delivering a smooth and effortless payment experience that drives customer satisfaction and loyalty. ### Use existing credit Splitit removes the high risks of legacy BNPL by using existing credit, meaning there is no underwriting and we won’t hurt your shopper’s credit rating. There are no hidden fees or added interest (standard credit card T&Cs still apply), regardless of how much your customers are spending on vehicle maintenance or new auto parts. ### No registrations or redirects Splitit embeds in the current purchase flow allowing any consumer with an active credit card to use the service – there’s no third-party registration or application needed. Our card-linked installments allows garages, dealerships, and auto parts stores to offer financing for large purchases during the checkout process. Customers don’t need to apply for new credit or create a new finance account and can easily access and manage their installments post purchase through our shopper portal. ![](https://www.splitit.com/wp-content/uploads/2024/11/increase-average-order-value-with-pay-later.png) ## Increase transaction values With Splitit’s card-attached installments there’s no arbitrary purchase limit, customers can maximize their purchasing potential using their existing available credit, leading to higher transaction values. ![](https://www.splitit.com/wp-content/uploads/2024/11/highest-approval-rates-with-splitit.png) ## Drive more conversions Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. With no applications, underwriting or SSN required, there is no friction at the checkout. ![](https://www.splitit.com/wp-content/uploads/2024/11/zero-default-risk-with-card-linked-installments-747x1024.png) ## Zero default risk Splitit operates with customers’ existing credit cards – their installment payment plan lives within the limits of their existing credit card. This means there’s no risk of defaulting on payment – should a customer miss their payments, the total order amount will be charged to their card. Real Businesses. Real Stories. ## Don’t just take our word for it. Splitit has helped thousands of businesses around the world to offer flexible pay-over-time options to their customers, using their existing credit card, in a more responsible way. [Book a demo](https://www.splitit.com/merchants/industries/automotive/#contact-sales) [![Neha Raghava](https://www.splitit.com/wp-content/uploads/2024/10/bryantdentalcover.jpg)\\ Splitit allows our optics and other cutting-edge products to reach thousands more customers both in the UK and the rest of the world\\ \\ **Neha Raghava** Group Head of Innovation, Engagement & E-Commerce at Bryant Dental\\ View success story](https://www.splitit.com/success-stories/healthcare/bryant-dental/) [![Christian Steyer](https://www.splitit.com/wp-content/uploads/2024/10/success-story-canyon.jpg)\\ The Splitit Team has been taking good care of us. It’s been a great partnership and we are all really happy with the results from both sides!\\ \\ **Christian Steyer** Team Manager Business Development at Canyon\\ View success story](https://www.splitit.com/success-stories/sports-outdoor/canyon/) [![Paul Blunden](https://www.splitit.com/wp-content/uploads/2024/10/simba-with-logo.jpg)\\ Splitit has boosted business at Simba, allowing us to make the world’s most 5 star reviewed mattress affordable to an even wider range of customers.\\ \\ **Paul Blunden** CFO at Simba\\ View success story](https://www.splitit.com/success-stories/home-furniture/simba/) Form [Skip to form](https://js.hsforms.net/ui-forms-embed-components-app/frame.html?_hsPortalId=48942024&_hsFormId=17b22907-2526-4d18-a4af-095aa8ff4966&_hsIsQa=false&_hsHublet=na1&_hsDisableScriptloader=true&editorVersion=2.0#main) # Ready to fuel your business growth? Let’s get into gear. Our team is here to show you how Splitit can drive more sales and customer satisfaction. Reach out for a friendly, no-obligation chat! Email\* Company Name Message By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our Privacy Policy. You can exercise your data protection rights (in arts. 15-22 of the GDPR) at privacy@splitit.com Submit ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) reCAPTCHA Recaptcha requires verification. [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/) protected by **reCAPTCHA** [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/)# How can we help you? Whether you’re a shopper with a question, an existing merchant needing support, or a business exploring partnership opportunities, we’re here to help. [**I’m a shopper**\\ \\ Need help with your installment payments or have questions about how Splitit works? We’re here to help.\\ \\ Contact support](https://support.splitit.com/hc/en-us/requests/new) [**I’m an existing merchant**\\ \\ Looking for technical assistance, account details, or general support? Our team is ready to assist.\\ \\ Contact support](https://support.splitit.com/hc/en-us/requests/new) [**I’m a new merchant or partner**\\ \\ Interested in offering Splitit’s card‑linked installments or exploring partnership opportunities?\\ \\ Contact sales](https://www.splitit.com/contact-sales/) ![](https://www.splitit.com/wp-content/uploads/2024/10/live-chat-splitit-support.png) We’re here to help ## Live chat Instant answers to your questions [Chat with Us](https://www.splitit.com/contact/#) Or [email us](https://support.splitit.com/hc/en-us/requests/new) and we aim to reply within 24 hours. Notifications [iframe](about:blank) [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=niuvj99olwoh)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=6b99d6pa33tp)# Our Logo Outside of our primary logo we have logo color variations included white on teal, black on white, and white on black. Always revert to the primary logo first, followed by the inverted, and in special cases the black or white logo. ![](https://www.splitit.com/wp-content/uploads/2024/11/Inverted-Brandmark.png) [![](https://www.splitit.com/wp-content/uploads/2024/11/Splitit-Primary-Logo-1-300x128.png)\\ Primary logo](https://www.splitit.com/wp-content/uploads/2024/11/Splitit-Primary-Logo-1.png) [![](https://www.splitit.com/wp-content/uploads/2024/11/inverse-logo-icon-300x80.jpg)\\ Inverse logo](https://www.splitit.com/wp-content/uploads/2024/11/Splitit-Primary-Logo-Inverted.png) [![](https://www.splitit.com/wp-content/uploads/2024/11/Black-Primary-Logo-300x81.png)\\ Black logo](https://www.splitit.com/wp-content/uploads/2024/11/Black-Primary-Logo.png) [![](https://www.splitit.com/wp-content/uploads/2024/11/White-Primary-Logo-300x80.png)\\ White logo](https://www.splitit.com/wp-content/uploads/2024/11/White-Primary-Logo.png) [![](https://www.splitit.com/wp-content/uploads/2024/11/Splitit-Primary-Wordmark-300x176.png)\\ Primary wordmark](https://www.splitit.com/wp-content/uploads/2024/11/Splitit-Primary-Wordmark.png) [![](https://www.splitit.com/wp-content/uploads/2024/11/Splitit-Inverted_-Wordmark-300x107.png)\\ Inverse wordmark](https://www.splitit.com/wp-content/uploads/2024/11/Splitit-Inverted_-Wordmark.png) [![](https://www.splitit.com/wp-content/uploads/2024/11/Splitit-Black-Wordmark-300x107.png)\\ Black wordmark](https://www.splitit.com/wp-content/uploads/2024/11/Splitit-Black-Wordmark.png) [![](https://www.splitit.com/wp-content/uploads/2024/11/Splitit-White-Wordmark-300x107.png)\\ White wordmark](https://www.splitit.com/wp-content/uploads/2024/11/Splitit-White-Wordmark.png) [![](https://www.splitit.com/wp-content/uploads/2024/11/Primary-Brandmark-289x300.png)\\ Primary brandmark](https://www.splitit.com/wp-content/uploads/2024/11/Primary-Brandmark.png) [![](https://www.splitit.com/wp-content/uploads/2024/11/Inverted-Brandmark-1-289x300.png)\\ Inverse brandmark](https://www.splitit.com/wp-content/uploads/2024/11/Inverted-Brandmark-1.png) [![](https://www.splitit.com/wp-content/uploads/2024/11/Black-Brandmark-289x300.png)\\ Black brandmark](https://www.splitit.com/wp-content/uploads/2024/11/Black-Brandmark.png) [![](https://www.splitit.com/wp-content/uploads/2024/11/White-Brandmark-300x300.png)\\ White brandmark](https://www.splitit.com/wp-content/uploads/2024/11/White-Brandmark.png) ## Looking for something else? Check out our developer site for on-site messaging, or get in touch for any other queries. [On-site messaging](https://developers.splitit.com/category/on-site-messaging) [Contact us](https://support.splitit.com/hc/en-us/requests/new) Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=hr5sm16jb7wf)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # Canada – English ## **Retail Instalment Consumer Terms of Service** We are a retailer of goods or services that you are seeking to purchase (“ **us**“, “ **our**” or “ **we**” or “ **Merchant**”). These Retail Instalment Consumer Terms of Service together with the Disclosure Statement provided to you (collectively, the “ **Agreement**”) is between us and you, the cardholder who is making the purchase (“ **Buyer**“). This Agreement is in addition to our normal terms of business, including our return policy. By choosing to make this purchase using instalments, you agree to be bound by this Agreement. These additional terms for payment by instalment apply when you select the option of paying for your purchase by instalments, using a payment card issued by a credit card issuer (“ **Issuer**”). In order to process card payments by instalment, we are using a third party technology service provided by Splitit Operations CA Ltd. (“ **Splitit**” or “ **Service Provider**”). You have not entered into any agreement with Splitit. **How it Works**. By selecting the “Splitit” payment option at the checkout page, you authorize us to put a hold on your payment card for the Total Sale Price (as defined below under **Authorizations**), however we will only charge the eligible card provided to us over time in the number of payments and in the amounts that you selected at checkout (we call these payments “ **Instalments**“). The date and amount of each Instalment (and other important disclosures) are shown at checkout before you complete your purchase and a complete record is emailed to you immediately after you complete your purchase. We will charge the initial payment (the first Instalment) to your card when your order is completed (or later, if shipment is later, in accordance with the payment schedule).  Each subsequent Instalment is charged monthly, on the dates shown in the payment schedule presented to you at checkout, until the entire amount due under this Agreement is paid. As further described under the **Authorizations** section, your card is eligible if there is available credit (or balance, in the case of a debit card) to support an Authorization for the Total Sale Price and you are authorized to use the payment card to make the transaction. **If we are not able to renew an authorization for the amount you owe by your next Instalment due date we may, subject to any notice required by applicable law, charge your card for the Total Sale Price, less the amount of any Instalments you have already paid.** Neither we nor Splitit impose any interest or additional charges on you for selecting this payment option. However, you should be aware that you may have to pay other taxes or costs that are not imposed by us (such as internet charges, fees and interest imposed by the Issuer or charges imposed by customs in your country). **IN PARTICULAR, PLEASE NOTE, AS INSTALMENT PAYMENTS ARE BEING CHARGED TO YOUR CARD, YOU MAY BE CHARGED INTEREST AND FEES OR OTHER CHARGES IMPOSED BY YOUR CARD ISSUER UNDER THEIR** **AGREEMENT WITH YOU. THIS COULD INCLUDE OVERDRAFT FEES, PERIODIC INTEREST, OR OVER-THE-LIMIT FEES. YOU ARE SOLELY RESPONSIBLE FOR THESE FEES.** **Authorizations** If you provide a credit card to make payments, we may obtain an authorization against your credit card for up to the total amount of your purchase (“ **Total Sale Price**”). An “authorization” means that the available credit on your credit card will be reduced by an amount, up to the Total Sale Price, in order to ensure you have sufficient available credit to make future payments. **You will likely not be able to use that amount of your credit line while the authorization remains in place, subject to rules imposed by your Issuer.**  Even if your Issuer does not restrict the available credit, you must ensure that you have enough available credit to cover the full outstanding amount owed under this Agreement for your purchase at all times. To ensure we retain a valid authorization against your credit card, we will renew the authorization periodically using the credit card details provided at the time of purchase (or a subsequent credit card you provide). The amount of each authorisation will be reduced by Instalments already paid. It may take up to 5 days for the amount of the authorization to be reduced after you make a payment. We will notify you by email approximately 24 hours before the authorization is renewed. If any authorization we seek to make against your credit card fails, we will contact you by email (using the email address you provided at checkout) to let you know. We may also contact you via SMS to the extent you have authorized us to do so.  We will also keep attempting to get approval for the authorization by submitting a request to your payment card periodically for up to 7 days.  You can provide us with a different eligible credit card to use for authorizations and Instalments via the consumer portal, using the unique link we email to you when you enter into this Agreement (“ **Portal**“). By providing a new credit card, you authorize us to obtain authorizations for the remaining amounts owed under this Agreement, as set forth in this Agreement, and you further authorize us to charge this updated credit card for outstanding Instalments owed, when due under this Agreement. You also authorize us to charge or refund your credit card as necessary to correct any errors. **If we are not able to renew an authorization for the amount you owe under this Agreement by your next Instalment due date, and you do not make an Instalment payment by the due date (subject to any applicable grace period) or successfully authorize those amounts on another eligible card, we may charge your credit card for the Total Sale Price, less the amount of any Instalments you have already paid.** **Debit cards**. We may, but are not required to, allow you to use a debit card to complete your purchase. If you provide a debit card to pay Instalments under this Agreement, a temporary hold may be placed against your debit card for the Total Sale Price at the time of purchase, but we will only charge your debit card for your first Instalment payment at this time. The remaining amount of the hold, if applicable, will be cancelled in approximately 3 – 5 days after the date of your purchase, but processing times may vary depending on your bank or financial institution. We will continue to charge your debit card, monthly, for the amount of each subsequent Instalment, on each Instalment date, until the entire amount due under this Agreement is paid. In the event that there are insufficient funds available on the debit card to pay any Instalment, we will notify you. **If any payment attempt is unsuccessful or** **returned to us unpaid, we may retry the payment attempt, unless prohibited by law.** **BY COMPLETING THIS PURCHASE, YOU PERMIT US TO TAKE AUTHORIZATIONS (IF APPLICABLE) AND PAYMENT IN INSTALMENTS IN THE WAY DESCRIBED ABOVE AND CONTACT YOU IN CONNECTION WITH YOUR PURCHASE.** **Handling Card Payments and Notifications**. We use a third-party technology platform provided by Splitit to keep a record of payments you owe us and we use their platform to process authorizations and payments at the times we have agreed and to send notifications to you. You will see some of the emails say they are “powered by Splitit”. This should help you identify what payments we are contacting you about. You never enter into an agreement with Splitit. **Returns and Cancellations**. You may return the goods to us as set forth in our Return Policy. You are  allowed to cancel this Agreement at any time by informing us in writing or by email or via the Splitit platform. This Agreement may not be cancelled if you only tell us orally. If you give us notice that you want to cancel this Agreement, it will be terminated and all outstanding Instalments will become immediately due. You may need to provide additional information in connection with any notice of termination or cancellation in order for us to properly identify the Agreement that is being terminated.  We will send you an email following the completion of your purchase with details of how you can access information on your payments in a secure, password protected consumer portal. There is information on how you can terminate the Agreement maintained on our website and through the secure, password protected consumer portal. You can email our Service Provider at support@splitit.com. **Default**. Subject to applicable law, which may require that we notify and/or give you a right to cure your default, we may declare you in default under this Agreement for any of the following reasons: (1) you fail to pay any Instalment by the due date, and after any applicable grace period; (2) you violate any promise you make to us in this Agreement which significantly impairs your ability to pay or our ability to collect the amounts due under this Agreement; (3) you file for bankruptcy, or become subject to a proceeding which seeks relief from debt; (4) you have made a false or misleading statement about an important matter in connection with this Agreement; (5) you revoke your consent to electronic communications; or (6) you die or become legally incompetent. **Consequences of Default**. If you are in default of this Agreement, we can require you to pay the remaining amount you owe us under this Agreement immediately, subject to any right you may have to notice of default and to cure such default.  We may seek payment of this amount by charging your credit or debit card pursuant to any authorization you provided us under this Agreement. **Assignment**. You are hereby notified and agree that we may transfer, sell, or assign this Agreement, the Instalments, or any associated rights, to a third party, including Splitit or one of its affiliates without any further notification to you. If we do so, this Agreement will remain in effect and will be binding on and will inure to the benefit of our assign(s). You may not transfer your rights under this Agreement and any attempt to do so will be void. **Governing law; Miscellaneous** \[ **NOT APPLICABLE TO RESIDENTS OF QUEBEC**\]: This Agreement (and our dealing prior to this Agreement being made) shall be governed by the laws of the province of Ontario and the federal laws of Canada applicable therein, provided that you are entitled to the benefit of any mandatory consumer protection rules of the country of your primary residence.  All communications from us with you will be in English. The courts of Toronto, Ontario have jurisdiction to hear any disputes about this Agreement, including any question regarding its existence, validity or termination, unless you live in another part of Canada in which case any disputes may be brought in that part of Canada, in the capital city in the province in which you reside. **\[FOR RESIDENTS OF THE PROVINCE OF QUEBEC\]:** This Agreement (and our dealing prior to this Agreement being made) shall be governed by the laws of the province of Quebec and the federal laws of Canada applicable therein.  The courts of Montreal, Quebec have jurisdiction to hear any disputes about this Agreement, including any question regarding its existence, validity or termination. If any provision of this Agreement or portion thereof is held to be unenforceable, this determination will not affect the remainder of this Agreement. **French Language** **THE PARTIES HEREBY ACKNOWLEDGE THAT THEY HAVE REQUIRED THIS AGREEMENT AND ALL RELATED DOCUMENTS TO BE DRAWN UP IN THE ENGLISH LANGUAGE. LES PARTIES RECONNAISSENT AVOIR DEMANDÉ QUE LE PRÉSENT CONTRAT AINSI QUE LES DOCUMENTS QUI S’Y RATTACHENT SOIENT RÉDIGÉS EN LANGUE ANGLAISE** **Using your information** You will find a copy of our privacy policy on our website that you can review in connection with your purchase.  As Splitit handles our payment requests and instructions for us, they will handle your data and we will pass information between us.  You may obtain a copy of Splitit’s Privacy Policy by visiting their website at [http://splitit.localsite/legals/splitit-privacy-policy/english/](http://splitit.localsite/legals/splitit-privacy-policy/english/). We may share information about our transactions and interactions with you with Splitit and other affiliated companies **.** We may also share information about our transactions and interactions with unaffiliated third parties in connection with providing this service to you, including fraud detection services. If you do not want us to share this information, you must notify us in writing or by email through our Service Provider at: support@splitit.com.  If you email us a notification, you must include your name, address, and the last four digits of your card number used in this transaction so that such a request can be honoured.  Do not include your full card details in this email. **Communications**. After completing your purchase, you will see some communications from us saying they are “powered by Splitit”. You will receive an email following the completion of your purchase with details of how you can access information on your payments in a secure, password protected Portal.  You are responsible for obtaining and maintaining all telecommunications, mobile, broadband, computer, hardware, software, equipment and services needed to access information about this Agreement or your payment method; viewing, saving and/or printing your account documents online; and receiving any messages or documents you have consented to receive electronically. Some of the communications between you and us or any of our affiliates, agents, assigns and service providers, may be monitored and recorded for the purposes of providing the services described herein. You agree that we or our service providers may send e-mails to you at any e-mail address you provide us or use other electronic means of communication to the extent permitted by law. We are not required to act on any instruction or message from you provided by fax, SMS/text, telephone voice mail, message service or answering machine. Whenever this Agreement or applicable law requires or allows you to give us written notice, we will not consider SMS/text or fax to be written notice. You must notify us promptly of any changes to your e-mail address, phone number, mailing address, or other contact information by using the Platform or by emailing our Service Provider at support@splitit.com. **Who to contact about this Agreement.** Occasionally, you may require additional assistance in connection with this Agreement (for example, replacing payment method, number of outstanding Instalments, etc.). You may obtain information about your Agreement, including your remaining Instalments and your selected payment method through the Portal. You may also contact us through our Service Provider at support@splitit.com for technical support and information about this Agreement. If you have any questions about the goods and services you purchased under this Agreement, please contact our customer services department through the information provided on our website. We clarify that we hired Splitit to provide certain services and you do not have any agreement with them.  Splitit cannot agree to any alternative arrangements other than to allow you to use a different card for the payment of any unpaid Instalments. In addition, Splitit does not have information regarding your relationship with the Issuer and accordingly cannot handle questions related to that arrangement. To the extent there are any conflicts between this Agreement and our normal terms of business, the provisions contained herein take precedence. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=6d51khdppocl)# A responsible payment solution for responsible shoppers “We can propose Splitit for high-value items, where we could not with other buy now, pay later solutions” ![](https://www.splitit.com/wp-content/uploads/2024/10/vestiaire-collective-with-logo.jpg) ## Meet Vestiare Collective Vestiaire Collective is the leading global platform for desirable pre-loved fashion. It is dedicated to transforming the fashion industry for a more sustainable future by promoting the circular fashion movement as an alternative to overproduction and overconsumption and the wasteful practices of the fashion industry. Inspired by the “Long Live Fashion” philosophy, it provides its community – those who live for fashion and take care of it for life – with inspiration, tools and features to lead the change as they sell and buy unique pre-loved pieces from each other’s wardrobes. And that’s where Splitit comes in. ![](https://www.splitit.com/wp-content/uploads/2024/10/Rectangle-1947391.jpg) ## Partnering with Splitit Vestiaire Collective’s approach differs from luxury retailers in that it believes in making designer labels available to a wider audience and promoting a fashion culture that celebrates circularity. It’s kicking down the doors of high fashion exclusivity – and Splitit’s buy now, pay later platform supports this mindset. Pedro Bennasar, Head of Payments at Vestiaire Collective says: “We really want to make circularity available to everybody. And we want to look at circularity as a new way of living. Therefore, having buy now, pay later solutions definitely helps us spread the word and makes these items available to as many people as we can, which is completely different from the strategy of other luxury retailers.” Vestiaire Collective began by offering Splitit’s installment payment to customers in the UK. After seeing success, Splitit expanded into Southern European, American and Asian markets. The demand and interest from customers quickly became evident. And therefore, Splitit now supports Vestiaire Collective across the globe, in 15 countries and counting. ![](https://www.splitit.com/wp-content/uploads/2024/10/Rectangle-1947393.jpg) ## A simple solution that supports high AOV Vestiaire Collective caters to diverse shoppers, from people drawn to high-value luxury products to customers who identify with sustainable fashion and shopping with circularity in mind. Splitit is an option for shoppers across this spectrum. It’s a way for responsible consumers to practice responsible spending and those who want to incorporate luxury into their lifestyle responsibly. Individuals can purchase the products they desire within the flexibility of a buy now, pay later payment plan, based on the limits their credit card issuer has already approved. “We can propose Splitit for high-value items, where we could not with other buy now, pay later solutions because they have a purchase limit. And this is a benefit we want to keep exploring,” Pedro says. As well as aligning with this high-value target customer, Splitit’s Installments as a Service allows Vestiaire Collective to embed a universally accepted BNPL option into its existing checkout flow in a way that makes sense with its existing brand strategy. It can customize the way it speaks to its audience about payment options without diluting or distracting from its values of circularity and sustainability. ![](https://www.splitit.com/wp-content/uploads/2024/10/Rectangle-1947391-1.jpg) ## Growing global with Splitit Splitit doesn’t just offer flexibility to Vestiaire Collective’s customers – the simple setup and easy integration help support the brand’s goals for global growth. As it expands out of Europe and the US, Vestiaire Collective is looking to strengthen its presence in the Asian market. Pedro says a significant aspect of this strategy is understanding the shopping behavior and expectations of this new customer base – and, as it turns out, buy now, pay later is a big part of that. Vestiaire Collective is exploring new markets and opportunities, but Pedro says they’re looking to leverage what they have in their existing ecosystem when it comes to payment solutions. Splitit’s plug-and-play model has shone through during this expansion project. “It’s really nice because it’s just a matter of enabling the currency and the country, and that’s it because the rest is done,” Pedro adds. “So it’s very easy, and it helps us expand to where we want to be because Splitit doesn’t have the kind of financial restrictions that other payment providers have. Going with this solution in new markets is bringing value.” Splitit supports flexibility, growth, and customization for Vestiaire Collective’s customer journey and business strategy. It’s a partnership that aligns with fundamental brand values and goals for the future. While there’s no such thing as a one-size-fits-all payment solution, Splitit looks undeniably chic on Vestiaire Collective. ## Want to find out how Splitit can help your business grow like Vestiaire Collective? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=qbq92thv4g3j)# Double the glaze. Double the growth. With Splitit’s innovative installment solution, your customers can afford high-cost services like window replacements and upgrades without taking on new loans or paying interest. **Let us show you how:** _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our Privacy Policy. You can exercise your data protection rights (in arts. 15-22 of the GDPR) at privacy@splitit.com_ ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) ## Credit card installments unlock huge potential ### 1.2bn approved customers Anyone with a credit card can use Splitit, anywhere in the world – no registration, application, or underwriting required. ### $35,474 avg. credit available Customers can maximize their purchasing potential using the credit they have already earned, without paying interest. ### 85%+ approval rate Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. Mobile installments ## Installment Payments. Anywhere. Set up installment plans on the fly, with no complicated registration or credit checks for your customers. ![](https://www.splitit.com/wp-content/uploads/2024/10/in-person-installment-payments-300x300.png) ### In-person Simply share a QR code or send a payment link via email or SMS. Your customers can select a payment plan that suits them best. ![](https://www.splitit.com/wp-content/uploads/2024/10/over-the-phone-installment-payments-300x300.png) ### On the phone Accept payments over the phone and let your customers choose their preferred number of installments without the need for new credit applications. ![](https://www.splitit.com/wp-content/uploads/2024/10/e-commerce-bnpl-installment-payments-300x300.png) ### Online Integrate Splitit’s installment options directly into your checkout process, or send a payment link to your customers. [Splitit for e-commerce](https://www.splitit.com/merchants/products/e-commerce-installments/) ![](https://www.splitit.com/wp-content/uploads/2024/11/splitit-credit-card-linked-installments-1024x683.jpeg) ## Flexible payment solutions Splitit offers hassle-free installment payment options, allowing your customers to pay over time without the need for credit checks, additional loans, or interest charges. ![](https://www.splitit.com/wp-content/uploads/2024/11/window-replacement-financing-solution-for-business-1024x684.jpg) ## Enhanced cash flow Experience improved cash flow with predictable, on-time payments. Say goodbye to late or missed payments and enjoy financial stability. ![](https://www.splitit.com/wp-content/uploads/2024/11/Rectangle-1947365-1.png) ## Zero default risk Splitit operates with customers’ existing credit cards – their installment payment plan lives within the limits of their existing credit card. This means there’s no risk of defaulting on payment – should a customer miss their payments, the total order amount will be charged to their card. ## The future-proof pay-later option Home services often fall outside of a customer’s usual budget, creating financial stress – especially when expenses arise unexpectedly or right after a home purchase. With Splitit, customers can use their existing credit to pay for services without the burden of interest or new loans. On average, consumers have $35,000 available on their credit cards. Splitit enables them to tap into this available credit, allowing them to choose higher-value options without added financial pressure. This not only helps your customers but also boosts your transaction values. [Explore our plans](https://www.splitit.com/pricing-plans/) ### Feature ### Consumer financing ### Splitit Use Existing CreditNo RegistrationNo additional interest or feesWhite-labelGoogle Pay/Apple PayLow RiskSupport high-ticket purchasesIncrease sales potentialApproval rate 35% 85% ![Saunaspace](https://www.splitit.com/wp-content/uploads/2024/10/saunaspace1.png)![Growing Spaces](https://www.splitit.com/wp-content/uploads/2024/10/growing-spaces1.png)![Fox Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/fox-pest-control1.png)![Hawx Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/hawx-pest-control1.png)![Exxentric](https://www.splitit.com/wp-content/uploads/2024/10/press-logo-standard-black1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Somas Home](https://www.splitit.com/wp-content/uploads/2024/09/Somas-Home-Logo-png-new-1.png)![Pergolux](https://www.splitit.com/wp-content/uploads/2024/10/pergolux1.png)![Saunaspace](https://www.splitit.com/wp-content/uploads/2024/10/saunaspace1.png)![Growing Spaces](https://www.splitit.com/wp-content/uploads/2024/10/growing-spaces1.png)![Fox Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/fox-pest-control1.png)![Hawx Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/hawx-pest-control1.png)![Exxentric](https://www.splitit.com/wp-content/uploads/2024/10/press-logo-standard-black1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Somas Home](https://www.splitit.com/wp-content/uploads/2024/09/Somas-Home-Logo-png-new-1.png)![Pergolux](https://www.splitit.com/wp-content/uploads/2024/10/pergolux1.png)![Saunaspace](https://www.splitit.com/wp-content/uploads/2024/10/saunaspace1.png)![Growing Spaces](https://www.splitit.com/wp-content/uploads/2024/10/growing-spaces1.png)![Fox Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/fox-pest-control1.png)![Hawx Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/hawx-pest-control1.png)![Exxentric](https://www.splitit.com/wp-content/uploads/2024/10/press-logo-standard-black1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Somas Home](https://www.splitit.com/wp-content/uploads/2024/09/Somas-Home-Logo-png-new-1.png)![Pergolux](https://www.splitit.com/wp-content/uploads/2024/10/pergolux1.png)![Saunaspace](https://www.splitit.com/wp-content/uploads/2024/10/saunaspace1.png)![Growing Spaces](https://www.splitit.com/wp-content/uploads/2024/10/growing-spaces1.png)![Fox Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/fox-pest-control1.png)![Hawx Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/hawx-pest-control1.png)![Exxentric](https://www.splitit.com/wp-content/uploads/2024/10/press-logo-standard-black1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Somas Home](https://www.splitit.com/wp-content/uploads/2024/09/Somas-Home-Logo-png-new-1.png)![Pergolux](https://www.splitit.com/wp-content/uploads/2024/10/pergolux1.png) ## Need more clarity? Let’s break the ice. Our team is here to bring clarity and show you exactly how Splitit can work for your business. Drop us a line – we’d love to chat! _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Send ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=o29oqbwqq078)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # United Kingdom & Europe – French Royaume-Uni et Europe – Français _**​Dernière mise à jour : June 2019**_ 01. L’Acheteur, dont le nom est mentionné ci-dessous (« l’Acheteur», « Vous » ou « Votre/Vos »), s’engage à payer le montant intégral du prix d’achat autorisé total (« Prix d’achat ») en un seul règlement ou selon le nombre de versements périodiques défini dans l’autorisation de versement périodique récurrent (« l’Autorisation ») au Vendeur (« le Vendeur », « Nous » ou « Notre/Nos »). Le paiement sera effectué par l’Acheteur qui autorisera le Vendeur à prélever la carte de crédit ou carte de débit (Carte) de l’Acheteur en un seul règlement (« Règlement unique ») ou, le cas échéant, selon des versements mensuels de montants équivalents, tels que définis dans l’Autorisation (chacun constituant un « Versement »), chaque mois jusqu’à paiement intégral. L’acheteur accepte et reconnaît qu’aucune disposition des présentes n’est réputée créer une relation débiteur-créancier entre les parties. 02. Règlement unique - Règlement unique immédiat. Si l’Acheteur accepte un Règlement unique, ce dernier autorise le Vendeur à prélever la carte de l’Acheteur du Prix d’achat en un Règlement unique conformément aux conditions des présentes, sous réserve des conditions associées à la carte de l’Acheteur. - Règlement unique différé. Si le Vendeur le permet, l’Acheteur a la possibilité de différer le paiement du Règlement unique du nombre de jours agréé par le Vendeur dans l’Autorisation au moment de l’achat. À l’expiration de la période de report, le Prix d’achat restant sera prélevé sur la carte de l’Acheteur. 03. Versements périodiques - Versements périodiques immédiats. Si l’Acheteur règle selon un échéancier, ce dernier autorise le Vendeur à conserver une autorisation sur la carte de l’Acheteur pour le Prix d’achat, ajustée chaque mois en fonction des versements, jusqu’à la date de paiement intégral du Prix d’achat au Vendeur. - Versements périodiques différés. Si le Vendeur autorise des paiements différés pour certains ou l’ensemble des versements périodiques, le nombre de jours agréé au moment de l’achat et précisé dans l’Autorisation reportera le paiement de chaque Versement par le nombre de jours mentionné agréé. Si un Versement n’a pas été honoré à l’expiration du report, la carte de l’Acheteur sera prélevée du montant du Versement restant. 04. L’Acheteur accepte que le Vendeur obtienne une autorisation sur la carte de l’Acheteur pour le montant intégral du Prix d’achat au moment de la vente, pour un Règlement unique ou des Versements périodiques, selon le cas, et pour les Versements périodiques, le Vendeur obtiendra des autorisations sur la carte de l’Acheteur pour chaque mois de Versement et pour le solde intégral restant du Prix d’achat. L’Acheteur reconnaît que cette autorisation restera en vigueur jusqu’à annulation écrite de ce dernier. 05. L’Acheteur accepte que, dans le cadre de règlements différés, le Vendeur puisse obtenir une Autorisation sur le montant intégral du Prix d’achat et que cette Autorisation devra être ajustée tous les mois et/ou conformément au report, en tenant compte de l’accord de règlement agréé, jusqu’à règlement du Prix d’achat dans son intégralité. 06. L’Acheteur reconnaît que le Vendeur obtenant l’autorisation initiale pour l’Achat, ainsi que l’autorisation mensuelle pour chaque Versement et le solde débiteur, peut défavorablement affecter le crédit disponible de l’Acheteur sur la carte de ce dernier. L’Acheteur reconnaît que le Vendeur ne peut pas être tenu responsable de toute conséquence défavorable pour l’Acheteur. 07. Détection des fraudes. L’Acheteur accepte et reconnaît que Splitit peut utiliser des technologies de détection des fraudes ou autres outils de prévention similaires de tiers concernant les autorisations de transaction. Dans l’éventualité où Splitit, ou tout tiers agissant pour le compte de Splitit, indique une activité illégale, frauduleuse ou autre risque lié au crédit associée à la transaction effectuée par un Acheteur, cette transaction peut être limitée ou refusée par Splitit et/ou l’Acheteur. 08. L’Acheteur accepte de notifier le Vendeur par écrit via le compte utilisateur de l’Acheteur à l’adresse support@Splitit.com de toute modification de coordonnées bancaires de la carte de l’Acheteur ou résiliation de cette autorisation. Nous mettrons à jour ces informations et traiterons ces demandes dans un délai de 30 jours après réception de ces dernières. L’Acheteur reconnaît que les Versements périodiques peuvent être autorisés et prélevés le jour ouvré suivant. L’Acheteur reconnaît en outre qu’étant donné la nature électronique des transactions, toute autorisation et prélèvement peut être affiché sur son compte dès la date des Versements périodiques. 09. Tout règlement dû non effectué sera exigible d’intérêts au taux effectif annuel global indiqué dans le contrat relatif à la carte de l’Acheteur et au relevé annuel jusqu’à paiement intégral. Dans la limite applicable, l’Acheteur accepte que tout Versement dû concernant l’Achat facturé sur la carte de l’Acheteur et non réglé à échéance, ou si le solde du relevé n’est pas réglé en intégralité à l’échéance, conformément au contrat de l’Acheteur conclu avec l’émetteur de la carte (« Émetteur»), des intérêts seront facturés à l’Acheteur, au taux effectif annuel global indiqué dans le relevé annuel de l’Émetteur, ou selon toute autre loi ou réglementation applicable, jusqu’à paiement intégral des Versements. 10. Dans l’éventualité où une Autorisation est refusée pour une quelconque raison, l’Acheteur reconnaît que le Vendeur peut, à sa seule discrétion, tenter d’émettre à nouveau le prélèvement sous Sept (7) jours. 11. Dans l’éventualité où l’Émetteur de l’Acheteur ne peut régler un Versement pour une quelconque raison, le Vendeur, peut à sa seule discrétion, prélever la carte de l’Acheteur à tout moment du montant restant dû. 12. Compte tenu des services fournis par Splitit UK Limited (« Splitit») au Vendeur, l’Acheteur reconnaît que Splitit est autorisé à communiquer avec l’Acheteur, et à le solliciter par e-mail (ou d’autres moyens). Cette disposition est effective pour une durée d’au moins cinq (5) ans à partir de la date d’autorisation initiale. 13. L’Acheteur reconnaît que Splitit ne représente pas une partie dans le présent Accord, conclu uniquement entre l’Acheteur et le Vendeur. 14. L’Acheteur accepte et reconnaît que Splitit n’est pas responsable de la livraison et de la qualité des biens achetés par l’intermédiaire de cette transaction. 15. L’Acheteur reconnaît que le montage de toute transaction autorisée sur le compte de l’Acheteur doit se conformer aux dispositions légales britanniques. L’Acheteur certifie qu’il est un utilisateur autorisé de la carte utilisée dans le cadre de cette transaction et des Versements et qu’il ne contestera pas ces transactions avec la société de carte de l’Acheteur, tant que les autorisations correspondent aux conditions stipulées dans le formulaire d’autorisation. 16. L’Acheteur reconnaît que si la livraison des biens ou services n’est pas effectuée au moment de l’exécution du présent Accord, la description des biens ou services ainsi que la date d’échéance du premier Versement doivent être insérées par le Vendeur dans la contrepartie du Vendeur dans le contrat après signature de l’Acheteur. 17. Si une disposition du présent contrat est déterminée comme invalide, les dispositions restantes n’en sont pas affectées. 18. Politique de confidentialité. La vie privée de l’Acheteur est essentielle pour nous. Pour obtenir une copie de la Politique de confidentialité de Splitit, consultez le site Web à l’adresse http://www.splitit.com/legals/splitit-privacy-cookies-policy/. Dans le cadre autorisé par la loi, le Vendeur et Splitit peuvent partager des informations sur les transactions et expériences avec l’Acheteur avec des sociétés tierces affiliées et non affiliées, notamment des agences d’évaluation du crédit, d’autres créanciers et des prestataires de service de détection des fraudes. Toutefois, et sauf si la loi l’autorise, ni le Vendeur ni Splitit ne peuvent partager des informations obtenues à partir de demandes de crédit, de rapports sur les consommateurs et de tiers, avec nos sociétés affiliées, si l’Acheteur nous demande de ne pas partager ces informations. Si l’Acheteur ne souhaite pas que nous partagions ces informations, ce dernier doit nous le notifier par écrit via le compte utilisateur de l’Acheteur à l’adresse \[consumer.payitsimple.com\] à l’aide du mot de passe qui lui a été fourni pour ces notifications et pour accéder aux informations sur le site Web de Splitit, ou par e-mail à l’adresse suivante : support@splitit.com. L’Acheteur doit inclure le nom, l’adresse, le numéro de compte et les quatre derniers chiffres du numéro de carte de l’Acheteur utilisée pour cette transaction pour que cette demande puisse être traitée. Le Vendeur peut signaler votre compte aux agences d’évaluation du crédit. Les retards de paiement, les paiements non effectués ou tout autre défaut de paiement sur votre compte de carte peut être reflété par votre Émetteur dans votre relevé de crédit. 19. Tout litige, différend ou réclamation résultant du présent Accord ou lié à celui-ci, notamment toute question concernant son existence, sa validité ou sa résiliation, doit être signalé à et résolu en dernier recours par un arbitrage, conformément à la réglementation de la London Court of Arbitration, dont les règles doivent être incorporées pour référence dans la présente Section 15. Le nombre d’arbitres doit être d’un. Le siège, ou la juridiction, de l’arbitrage doit être Londres. La langue utilisée dans les procédures d’arbitrage doit être l’anglais. 20. Droits des tiers. Rien dans le présent Accord ne confère ou n’est destiné à conférer un avantage exécutoire par une personne qui ne constitue pas une partie de l’Accord et aucune condition de cette négociation n’est exécutoire, conformément au Contracts Act 1999 (Droits des tiers), par une personne qui ne constitue pas une partie du présent Accord. 21. Loi applicable. Le présent Accord (et toute obligation non contractuelle en résultant ou lié à celui-ci) doit être régi et interprété conformément aux lois anglaises, et les tribunaux anglais constituent la juridiction exclusive pour régler tout litige ou réclamation pouvant survenir concernant le présent Accord (y compris concernant toute obligation non contractuelle). Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=6ruewwh3j0wt)# Card-linked installments The only installment payment solution that allows shoppers to use their existing credit card at checkout. [How it works](https://www.splitit.com/shopper/) [Shopper login](https://consumer.splitit.com/) [![Best Payment Innovation Winner 2025](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2025/01/25-payment-innovation-splitit.png)](https://vendorsinpartnership.com/pages/2025-winners?_kx=hmrFDO6EkusWSBkjVNA7J9YLH4oqeaSEr-deBu-Jc0Y.SxRHvw) [Trustpilot](https://www.trustpilot.com/review/www.splitit.com) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/card-linked-installments-splitit-988x1024.png) Our products ## Get more flexibility with Splitit [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/E-commerce-installments.svg)**E-commerce installments**\\ \\ Own the end-to-end journey with our white-label installments.\\ \\ Learn more](https://www.splitit.com/merchants/products/e-commerce-installments/) [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Omnichannel-Installments.svg)**Omnichannel installments**\\ \\ In-person, over-the-phone, and online installment solutions.\\ \\ Learn more](https://www.splitit.com/merchants/products/omnichannel-installments/) [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Pay-after-delivery.svg)**Pay after delivery**\\ \\ Boost trust and conversion by offering your customers to pay after delivery.\\ \\ Learn more](https://www.splitit.com/merchants/products/pay-after-delivery/) Report ### New Study Highlights Shifting Consumer Preferences in Installment Payments Our latest study with PYMNTS, **Innovations and development of card-linked installment plans**, reveals a seismic shift in installment payment preferences. Consumers across all segments are putting greater value on card-linked installments. #### Get the full report ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2025/01/Innovations-and-development-of-card-linked-installment-plans-PYMENTS.png) Installments-as-a-service ### Empowering the entire payments value-chain - [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Best-for-consumer11.svg)\\ Consumer](https://www.splitit.com/#) - [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/E-commerce-installments11.svg)\\ Merchant](https://www.splitit.com/#) - [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Gateway-Processor11.svg)\\ Processor](https://www.splitit.com/#) - [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Credit-Card-Network11.svg)\\ Network](https://www.splitit.com/#) - [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Issuing-bank11.svg)\\ Issuer](https://www.splitit.com/#) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Best-for-consumer11.svg) #### Consumer Splitit enables consumers to shop more responsibly. There’s no added debt, interest or hidden fees, plus they get all the benefits of paying with their existing credit card, including rewards, transaction insurance and protection against fraud. [Splitit for consumers](https://www.splitit.com/shopper/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group-3700134-1111.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/E-commerce-installments11.svg) #### Merchant Our white-label plugin allows merchants to nurture and retain their customers, driving loyalty and promoting brand consistency. Splitit’s zero-friction checkout drives the highest conversion and the highest approval rates. [Splitit for merchants](https://www.splitit.com/merchants/products/e-commerce-installments/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/splitit-for-merchants.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Gateway-Processor11.svg) #### Processor Our easy to implement single global API enables merchants to use their existing processor and existing back office, allowing the payment processors to retain their merchant relationships. [Splitit for processors](https://www.splitit.com/partnerships/payment-processors/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/splitit-for-processors.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Credit-Card-Network11.svg) #### Network Splitit’s technology leverages the existing global credit card payment rails, seamlessly integrating installments at the checkout and enabling networks to play a part in the installments value-chain. [Splitit for networks](https://www.splitit.com/partnerships/banks-financial-institutions/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/splitit-for-networks.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Issuing-bank11.svg) #### Issuer Splitit’s white-label, issuer agnostic, solution allows more issuers to be part of the installment payments process and not be forced out by the fintechs and the larger banks. [Splitit for issuers](https://www.splitit.com/partnerships/banks-financial-institutions/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/splitit-for-banks.png)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # **POLÍTICA DE DERECHOS DEL USUARIO** _Última actualización: enero de 2021_ En Splitit valoramos los derechos de privacidad de nuestros usuarios. Por tanto, hemos diseñado esta Política de derechos del usuario (« **Política de derechos del usuario**») como una descripción general de los derechos de las personas en virtud del Reglamento general de protección de datos de la UE (« **RGPD**»), que se le aplicará en caso de que resida en el Espacio Económico Europeo, y la Ley de Privacidad del Consumidor de California de 2018 (« **CCPA**»), que se le aplicará en si se encuentra en California para un propósito que no sea temporal o transitorio o si tiene su domicilio en California. Si desea enviar una solicitud para ejercer cualquiera de sus derechos, rellene el [Formulario de solicitud de derechos de los interesados (DSR)](https://www.splitit.com/legals/dsr-form/spanish/). Los términos utilizados en este documento y no definidos tendrán el significado que se les atribuye en la [Política de privacidad](https://www.splitit.com/legals/splitit-privacy-policy/spanish/).Tenga en cuenta que trataremos los [DSR](https://www.splitit.com/wp-content/uploads/2022/06/Data-subject-request-form-Jan-2021.docx.pdf) que se nos envíe en nuestra calidad de «Encargados del tratamiento». Asimismo, tenga en cuenta que si usted es un usuario particular de la solución Splitit (es decir, un Consumidor tal como se define en la Política de privacidad), el «Encargado del tratamiento» es el Vendedor al que le compró el producto. Si recibimos un [DSR](https://www.splitit.com/legals/dsr-form/spanish/) de un Consumidor, se lo notificaremos al Vendedor y remitiremos al Consumidor al Vendedor correspondiente. Actuaremos de acuerdo con las instrucciones del Vendedor en relación con las solicitudes de los Consumidores. **_Conforme al RGPD_** **_Información personal_** « **Datos personales**» se define como cualquier información relativa a una persona física identificada o identificable; una persona física identificable es aquella que se puede identificar, directa o indirectamente, en particular por referencia a un identificador como un nombre, una dirección de correo electrónico, un número de identificación, datos de localización, un identificador en línea o a uno o más factores específicos de la identidad física, fisiológica, genética, mental, económica, cultural o social de dicha persona física. Los identificadores en línea, como las direcciones IP, los identificadores de cookies y las etiquetas de identificación por radiofrecuencia, pueden considerarse datos personales. Los datos personales también incluyen los datos de dominio público. **_Derecho a que se le informe_** Tiene derecho a que se le informe sobre los detalles de la Empresa (por ejemplo, nombre, dirección, etc.), así como sobre por qué y cómo tratamos los datos personales. Este derecho incluye, entre otros, el derecho a que se le informe de la identidad de la empresa, los motivos y el fundamento jurídica para el tratamiento de los datos personales, así como la información adicional necesaria para garantizar el tratamiento leal y transparente de los datos personales (para conocer la información específica que se le debe proporcionar a usted, consulte el Anexo A). Facilitamos esta información en nuestra [Política de privacidad](https://www.splitit.com/legals/splitit-privacy-policy/spanish/). **_Acceso_** Tiene derecho a solicitarnos que confirmemos si tratamos ciertos datos personales relacionados con usted, así como a obtener una copia de dichos datos personales, con información adicional sobre cómo y por qué utilizamos estos datos personales. Una vez recibida dicha solicitud, analizaremos y determinaremos la veracidad y pertinencia de la solicitud de acceso y le proporcionaremos la confirmación aplicable del tratamiento, incluida una copia de los datos personales o una descripción de los datos personales y las categorías de datos tratados, la finalidad para la que se conservan y tratan dichos datos, así como detalles sobre el origen de los datos personales si no los ha facilitado usted. Nuestra respuesta detallada anteriormente se facilitará en el plazo exigido por la ley (véase más abajo). Tenga en cuenta que es posible que le pidamos que nos facilite cierta información para autenticar su identidad. **_Rectificación_** Si los datos personales que tenemos **no son exactos o no están actualizados**, puede exigirnos que los actualicemos para que sean exactos. Además, en caso de que hayamos transmitido información incorrecta sobre usted a un tercero, también tiene derecho a pedirnos que informemos a esos terceros de la información aplicable que debe actualizarse. **_Eliminación («Derecho al olvido»)_** Tiene derecho a exigirnos que eliminemos ciertos datos personales, siempre que se cumplan condiciones específicas. Tenemos la obligación de atender una solicitud de ejercicio del derecho al olvido y eliminar los datos personales solicitados si: 1. los datos personales aplicables **ya no son necesarios** para el propósito original para el que se recopilaron y, además, no existe un nuevo fundamento jurídico para continuar con el tratamiento; 2. el fundamento jurídico para el tratamiento es el consentimiento y usted solicita retirar dicho consentimiento; 3. ha ejercido su derecho a oponerse al tratamiento de sus datos personales por nuestra parte y no tenemos motivos imperiosos para el tratamiento de dichos datos personales; 4. tratamos los datos personales de forma ilícita; o bien, la supresión de sus datos personales es necesaria para cumplir la legislación aplicable. Además, en caso de que hayamos transmitido sus datos personales a terceros, tiene derecho a solicitarnos que pidamos a esos terceros que borren dicha información. En cualquier caso, tenga en cuenta que este derecho de supresión **no es absoluto**. Tenemos derecho a rechazar su solicitud de suprimir los datos en caso de que lo consideremos necesario (sujeto a la legislación aplicable) para: 1. cumplir con las obligaciones legales; 2. establecer, ejercer o defender reclamaciones legales; o 3. fines científicos, etc. **_Objeto_** Respecto a los datos personales que tratamos en virtud del fundamento jurídico de nuestros **intereses legítimos**, puede oponerse a nuestro tratamiento por dichos motivos. Sin embargo, incluso si recibimos su objeción, se nos permitirá seguir tratando los datos personales en caso de que (sin perjuicio de las leyes y reglamentos aplicables): 1. nuestros intereses legítimos de tratamiento prevalecen sobre sus derechos, intereses y libertades; 2. el tratamiento de dichos datos personales sea necesario para establecer, ejercer o defender una reclamación o derecho legal, etc. **_Restricción_** Puede solicitar que se limiten los fines para los que tratamos sus datos personales en caso de que: 1. se cuestione la exactitud de los datos; 2. se solicite la restricción en vez de la supresión cuando el tratamiento se considere ilícito; 3. ya no necesitemos los datos personales para su propósito original, pero los datos sigan siendo necesarios para establecer, ejercer o defender los derechos legales; o 4. se considere la existencia de motivos imperiosos en el contexto de una solicitud de supresión. **_Portabilidad de los datos_** Sin embargo, puede solicitarnos que enviemos o «portemos» sus datos personales que obran en nuestro poder a una entidad tercera únicamente cuando: 1. nos haya proporcionado los datos personales; 2. los datos personales se traten automáticamente; 3. los datos personales se traten sobre el fundamento jurídico del consentimiento o del cumplimiento de un contrato. **_Plazo y formato de la respuesta_** Nos esforzamos por responder a una solicitud verificable en el plazo de un mes. Si necesitamos más tiempo, hasta dos meses adicionales, le informaremos por escrito del motivo y del plazo de prórroga. Si tiene una cuenta con nosotros, le enviaremos nuestra respuesta por escrito a esa cuenta. Si no tiene una cuenta con nosotros, le enviaremos nuestra respuesta por escrito por correo postal o electrónico, a su elección. La respuesta que demos también explicará los motivos por los que no podemos atender la solicitud, si procede. En el caso de las solicitudes de portabilidad de datos, seleccionaremos un formato para proporcionar su información personal que sea fácilmente utilizable y que le permita transmitir la información de una entidad a otra sin obstáculos. No cobramos honorarios por procesar o responder a su solicitud verificable, a menos que sea excesiva o manifiestamente infundada. Si determinamos que la solicitud justifica el pago de una tarifa, le explicaremos por qué hemos tomado esa decisión y le facilitaremos un presupuesto antes de completar su solicitud. **Envíe una solicitud de una de las siguientes maneras:** - rellenando el formulario DSR disponible [aquí](https://www.splitit.com/legals/dsr-form/spanish/); - enviándonos un correo electrónico a: [privacy@splitit.com](mailto:privacy@splitit.com). Dirección del sitio: [https://www.splitit.com/](https://www.splitit.com/) **_Todos los apartados de la Política de derechos de los usuarios del RGPD también se aplican a las personas en virtud de la CCPA, excepto en los siguientes casos:_** **_Información personal_** Se define como « **Información personal**» la información que identifica, se relaciona, describe, puede asociarse con o podría vincularse razonablemente a, directa o indirectamente, un consumidor u hogar en particular. Las categorías de información adquieren el carácter de Información personal si esa información identifica, se relaciona, describe, es capaz de asociarse con o podría vincularse razonablemente, directa o indirectamente, un consumidor u hogar en particular. No cubre la información de carácter público. **_Derecho a que se le informe_** Se le deben proporcionar las categorías de Información personal que hemos recopilado, vendido o divulgado en los 12 meses anteriores (para consultar la información específica que se le debe proporcionar, consulte el Anexo A). **_Derecho de acceso_** Este derecho solo se aplica a la Información personal recopilada en los 12 meses previos a la solicitud y no tenemos la obligación de proporcionar acceso a la Información personal más de dos veces en 12 meses. **_Derecho a la supresión_** En virtud de la CCPA, no hay situaciones específicas de supresión ni se necesitan justificaciones para realizar una solicitud de supresión.Además de las excepciones contempladas en el Derecho de la UE, no tenemos obligación de respetar el derecho de supresión en las siguientes circunstancias: 1. para cumplir un contrato entre usted y nosotros; 2. para detectar incidentes de seguridad, proteger contra actividades maliciosas, engañosas, fraudulentas o ilícitas, o bien perseguir a los responsables de dichas actividades; 3. para depurar a fin de identificar y reparar errores que perjudican la funcionalidad prevista existente; 4. para permitir únicamente usos internos que se ajusten de manera razonable a sus expectativas en función de nuestra relación con usted. **_Plazo y formato de la respuesta_** Nos esforzamos por responder a las solicitudes verificables de los consumidores en un plazo de 45 días. Si necesitamos más tiempo, hasta 90 días, le informaremos por escrito del motivo y del plazo de prórroga. En virtud de la CCPA, la solicitud de datos solo se aplica a los 12 meses previos a la solicitud y no pueden realizarse más de 2 solicitudes en un plazo de 12 meses. **_Derecho de exclusión voluntaria_** En virtud de la CCPA, tiene derecho a excluirse de la venta de Información personal (con arreglo a la CCPA, por « **venta**» se entiende cualquier divulgación, transferencia y venta de Información personal a cambio de una contraprestación monetaria u otra contraprestación de valor). En caso de que vendamos Información personal, le proporcionaremos información sobre cómo ejercer su derecho de exclusión voluntaria (mediante la función «NO VENDER MIS DATOS» correspondiente). **_Aviso expreso_** En virtud de la CCPA, se prohíbe a un tercero vender información sobre usted que hayamos vendido nosotros, a menos que haya recibido un aviso expreso y se le haya brindado la oportunidad de excluirse. **_No discriminación_** No se le debe discriminar por ejercer ninguno de sus derechos, lo que incluye: - denegarle bienes o servicios; - cobrarle precios o tarifas diferentes por bienes o servicios, incluso mediante el uso de descuentos u otros beneficios o la imposición de sanciones; - ofrecerle un nivel o una calidad diferentes de los bienes o servicios; - sugerirle que usted pague un precio o tarifa diferente por los bienes o servicios. En virtud de la CCPA, podemos establecer programas de incentivos económicos y usted puede optar por acogerse a ellos. **_Portabilidad de los datos_** El derecho de la CCPA se limita a permitirle recibir Información personal y no se extiende a que transfiramos la información a otra empresa **_._** ## **_Anexo A_** **Se le debe proporcionar información sobre:** - las categorías de datos personales tratados; - los fines del tratamiento; - la existencia de los derechos de los interesados y los datos de contacto del responsable de la protección de datos. **En virtud de la legislación de la UE:** 1. los datos de contacto del responsable de la protección de datos (en la medida en que sea necesario); 2. el fundamento jurídico del encargado del tratamiento o del tercero para tratar sus datos personales; 3. los destinatarios o las categorías de datos personales; 4. transferencia de datos a terceros; 5. plazo de conservación de los datos; 6. el derecho a retirar su consentimiento en cualquier momento; 7. el derecho a presentar una reclamación ante una autoridad de control; 8. en caso de que los datos sean necesarios para el cumplimiento de un contrato, las posibles consecuencias de no hacerlo; 9. la existencia de una toma de decisiones automatizada, incluida la elaboración de perfiles, así como la lógica y las consecuencias de dicho tratamiento. **En virtud de la CCPA:** 1. las categorías de Información personal recopilada; 2. las fuentes de las que se ha obtenido la información; 3. el propósito empresarial o comercial para recopilar o vender la información; 4. las categorías de terceros con los que la empresa comparte la información; 5. los datos personales específicos que la empresa recopiló sobre el consumidor. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=8x8djl3aagm6)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # **PLATFORM AGREEMENT** _Last Updated: April 2024_ PLEASE READ THIS PLATFORM AGREEMENT CAREFULLY. BY ACCESSING THE SPLITIT WEBSITE, USING THE SPLITIT SERVICES OR THE SPLITIT PLATFORM, YOU AGREE TO BE BOUND BY THE (1) PLATFORM AGREEMENT, (2) [SPLITIT PRIVACY POLICY AND PRIVACY NOTICE](http://splitit.localsite/legals/splitit-privacy-policy/english/) AND (3) [DATA PROTECTION ADDENDUM](http://splitit.localsite/legals/data-protection-addendum/). YOU SHOULD RETAIN A COPY OF THIS PLATFORM AGREEMENT FOR YOUR RECORDS. ## **1\. THE PLATFORM AGREEMENT** 1.1 This Platform Agreement (“ **Platform Agreement**”) is a contract between the merchant identified in the Application (“ **you**”, “ **yours**”, “ **your**” or “ **Merchant**”) and Splitit Singapore Pte. Ltd. whose registered address is One Marina Boulevard, #28-00, 018989 Singapore (“ **we**,” “ **us**,” “ **our**” or “ **Splitit**”) (together, “ **The Parties**”). 1.2 This Platform Agreement governs your engagement with Splitit (the **“Splitit Services”**), whereby we provide you with a proprietary technology solution for instalment payment processing (“ **Splitit Platform**”). The Splitit Platform allows you to enter into a retail instalment sales contract (“ **Instalment Agreement**”) with your shoppers (each a **“Customer”**), under which you sell Customers goods and services, and the Customer agrees to pay for such goods and services by instalment payments (“ **Instalments**”). Such Instalments are debited by Splitit directly from the Customer’s payment card through the Customer’s card processor (each such transaction, a “ **Splitit Transaction**”). 1.3 Splitit may make changes to this Platform Agreement from time to time, provided, however, that such changes will not impose additional obligations on you . Splitit will inform you via email and/or your merchant portal of any material changes to the Platform Agreement. Changes to the Platform Agreement can be found on our website at [www.splitit.com](http://splitit.localsite/) which Merchant should review from time to time. BY USING THE SPLITIT SERVICES AND SPLITIT PLATFORM AFTER ANY SUCH CHANGES HAVE BEEN POSTED TO THE SPLITIT WEBSITE YOU AGREE TO ACCEPT ANY CHANGES TO THIS PLATFORM AGREEMENT. ## **2\. SERVICES WE PROVIDE TO YOU** **2.1 Instalment Processing** **(a) Splitit Platform**. The Splitit Platform allows Customers to provide their payment card details in connection with the retail sales contract made with you, and for the Instalments owing thereunder to be paid to Splitit. Splitit will obtain authorisations for the total remaining outstanding balance of the Splitit Transaction (“ **Authorisation**”) using the available credit or available balance on your Customer’s payments card. The payments card must be a type that utilises a card network supported by the Splitit Platform (the “ **Card Networks**”). The Splitit Platform periodically issues new Authorisations for the remaining balance, less each paid Instalment. **(b) Timing of Authorisations**. The Splitit Platform will begin obtaining Authorisations on Customer’s cards at the time of purchase, unless otherwise agreed with Splitit. Unless you notify us otherwise, we will capture the first Instalment within three days of purchase. Merchant represents and warrants that all goods and services purchased by your Customer using a Splitit Transaction will have been shipped, delivered, or provided within this time frame. If you have reason to believe this may not be the case, you shall notify the Splitit Success team immediately, via email to [success@splitit.com](mailto:success@splitit.com). **2.2 Customer Journey**. Splitit agrees to provide you with customer journey marketing assets in connection with the Splitit Services and provide guidance on the best placement of these assets for maximum impact and conversion with your shoppers. We may agree with you from time to time on additional promotional activities, through your website or otherwise.  In no circumstance should any marketing assets suggest that Splitit is entering into, or responsible for, the Instalment Agreement with the Customer. Instead, it should be made clear to the Customer that the Instalment Agreement is entered into between Merchant and the Customer, though the receivables for the sums due under that Agreement have been assigned to Splitit and consequently payment for the Instalment is made directly to Splitit. **2.3 Customer Consent**. For each Splitit Transaction, you must ensure that your Customer accepts and approves the [Consumer Terms of Service](http://splitit.localsite/legals/splitit-shopper-terms-conditions/english/) (“ **Customer Forms**”). By accepting and approving the Customer Forms, the Customer consents to the Authorisation and capture of the full Splitit Transaction amount, the number and schedule of Instalments, the amount captured in each Instalment, and any other terms set forth therein. You will have no right to amend, vary or supplement the terms of the Customer Forms, without prior written consent from Splitit, at any time, as those terms apply to each of your customers in respect of each Splitit Transaction and, in addition to your own standard trading terms for the supply of goods or services, the Customer Forms shall be the only terms between you and the customer in respect of each Splitit Transaction. **2.4 Customer Forms**. To the extent that the Consumer Terms of Service and other Customer Forms form contracts entered into between the Merchant and the Customer, Merchant is solely responsible for fulfilling any and all obligations of such Customer Forms, and agrees to comply with all applicable laws governing such Customer Forms and the Splitit Transactions to which they pertain and Splitit disclaims all responsibility for Merchant’s compliance with its contractual obligations owed directly to the Customer therein. **2.5 Splitit Platform Service and Maintenance**. You will promptly notify us of, and assist us in diagnosing, any failure or other impediment to your use of the Splitit Platform, whereupon we will use commercially reasonable efforts to repair the failure or otherwise arrange for the necessary maintenance. ## **3\. FEES AND PAYMENT TERMS** **3.1 Customer Fees and Expenses**. Each party agrees that it will never charge Customers any time-price differential, interest rate on outstanding transaction amounts, fees (including, but not limited to, service fees, late fees, credit card surcharges and convenience fees), or penalties in connection with Splitit Transactions. **3.2 Fee Schedule**. The Merchant agrees to pay Splitit the fees set forth in the Application or as otherwise agreed with Splitit (the “ **Fee Schedule**”) in connection with each Splitit Transaction, which is incorporated by reference into this Platform Agreement (the “ **Fees**”). Value added tax, goods and services taxes, or any similar taxes required by law in connection with the Splitit Services shall be in addition to the Fees agreed in the Fee Schedule. Fees shall be due on the date each Splitit Transaction is created and are payable in accordance with the terms of this Platform Agreement without prejudice to Section 1.3. We reserve the right to modify the Fee Schedule at any time by providing thirty (30) days prior written notice. **3.3 Payment Terms**. Merchant hereby authorises Splitit or its service provider to make regularly scheduled charges from Merchant’s checking account or other accepted payment method identified by the Merchant (“ **Merchant Account**”) for all Fees and other amounts owed to Splitit under this Platform Agreement. Fees will be payable monthly in arrears, subject to rights of setoff contained herein, including in connection with chargebacks and refunds. Merchant understands that the payment may be charged to the Merchant Account as soon as the transaction is initiated by Splitit on each payment date. Merchant understands and agrees that Splitit may not provide prior notice of each transaction unless required by law. In the event any Merchant Account payment charge or transaction is rejected for insufficient funds (NSF) or any other reason, Merchant understands that Splitit may, at its discretion, retry the transaction, unless prohibited by law.  Merchant agrees that Splitit may charge a fee each time a transaction or attempt is returned unpaid, and authorises Splitit to collect that fee by initiating an additional charge to the Merchant Account for the amount of the fee, on or after the date the fee is incurred. Merchant understands that this authorisation will remain in effect until Merchant cancels it in writing, and Merchant agrees to notify Splitit in writing of any changes in the Merchant Account information or termination of this authorisation at least 15 days prior to the next payment due date. If you terminate this authorisation, Splitit may require you to authorise payments using another Merchant Account. If any payment date falls on a weekend or holiday, Merchant understands and agrees that payments may be executed on the next business day. **3.4 Non-Payment of Fees**. Any Fees, or other amounts you owe us under this Platform Agreement, which are not paid within thirty (30) days may be subject to interest and late fees, starting as of the date the payment of each such amount was due, until all such Fees are paid in full. Notwithstanding the foregoing, we reserve the right, in our sole discretion, to suspend or cancel your service if any Fees remain unpaid for more than five (5) business days after the payment due date. To avoid doubt, Instalment sums owing under the accounts receivable by the Customers do not fall within the scope of such fees or expenses chargeable to the Merchant Account by Splitit under this Platform Agreement. ## **4\. REFUNDS; CHARGEBACKS; AND FRAUD** **4.1 Refunds**. If you agree to issue any Customer a refund, you must notify us immediately and Splitit will cancel the remaining Instalments under the Splitit Transaction. If you notify us of a partial refund, we will update the Authorisation in the Splitit Platform accordingly. Notwithstanding anything herein to the contrary, Merchant hereby agrees that Merchant shall be liable to Splitit for any refund initiated by Merchant’s Customers, for any reason, and Merchant shall indemnify and hold Splitit harmless for any damage, loss, cost or liability relating to, or resulting from, any such refund. **4.2 Chargebacks**. Although the Splitit Services can be used to obtain Authorisations for the full amount of the Splitit Transaction, this does not guarantee actual payment, and the full Splitit Transaction, or any single Instalment, may be returned or charged back to the Merchant, like any other payment card transaction. In the event of a chargeback, Splitit will promptly notify you and you agree to promptly provide supporting evidence with respect to the chargeback. Splitit reserves the right to terminate the Authorisation and the Splitit Transaction. You understand that in the event of a dispute chargeback, Splitit may not be able to maintain authorisations with respect to securitization of the Transaction during the dispute review process chargeback processing. If you are successful in opposing the dispute chargeback, Splitit does not guarantee the successful processing of the remaining Instalments. Notwithstanding anything herein to the contrary, you shall be liable to us for any chargeback initiated by your Customers and you shall indemnify and hold Splitit harmless for any damage, loss, cost or liability relating to, or resulting from, any such chargeback. **4.3 Effect of Fraud, Disputes, and Chargebacks**. In the event of any fraud, dispute or chargeback we may be unable to maintain Authorisations on the affected Splitit Transactions during the chargeback processing. Therefore, in the event of fraud or even if you succeed in opposing a dispute, we cannot guarantee processing of the remaining Instalments and take no liability hereunder. 4.4 You shall be responsible for all Fees incurred from the date of the Splitit Transaction, which are non-refundable, and shall be considered fully earned by Splitit on the date of the Splitit Transaction, irrespective of whether such transactions are identified as a refund, chargeback, or fraudulent transaction. **4.5 Anti-Fraud**. Merchant represents that you have employed risk monitoring and fraud detection practices that a reasonable person would employ in e-commerce. Merchant hereby agrees that you bear sole responsibility for any fraudulent activities associated with Splitit Transactions. We may, at our discretion, employ fraud detection technologies or other preventive tools in connection with the Splitit Services, which are designed to provide us with increased transaction screening and fraud detection capabilities. **4.6 Outstanding Amounts**. Except as otherwise provided herein, in any event in which you are unable to collect an amount owed to you by a Customer, which is the direct result of a failure by the Splitit Platform to issue an Authorisation, to issue a new Authorization, or to capture an Instalment against an existing Authorisation, we will be responsible for paying you the outstanding Authorisation amount; _provided however_, that (i) each of Merchant and Processor has fully integrated the Splitit Platform in accordance with all written instructions and developers tools provided by Splitit, as may be updated from time to time, (ii) goods and services have been delivered or rendered as agreed between Merchant and Customer, (iii) transaction and shopper is not determined to be fraudulent, in Splitit’s sole discretion, (iv) Merchant, sub-merchant or affiliates are not determined to be fraudulent, in Splitit’s sole discretion, (v) Merchant has reconciled settled amounts from the Processor in accordance with industry best practices and (vi) Merchant has notified Splitit of any failure event within 30 days of the beginning of such failure event. ## **5\. FINANCIAL AND OTHER INFORMATION; PROTECTIVE ACTIONS** **5.1 Financial and Other Information** **(a) Financial Records**. You shall provide Splitit with all financial information reasonably requested by or on behalf of Splitit necessary to process your Application, in connection with a periodic review of your account with us, and to collect any amounts you owe us under this Platform Agreement, including “Know Your Customer” and “Anti-Money Laundering” information. **(b) Books and Records**. You agree to maintain all books and records required (i) by your processor, in accordance with the Card Network Rules, (ii) by law or regulatory bodies, and (iii) by Splitit, as requested by us in writing. **(c) Ongoing Review.** We reserve the right to reassess your eligibility for use of any of the Splitit Services from time to time. This may include obtaining updated business information or financial records as reasonably required to evaluate your eligibility. **(d) Release and Exchange of Financial Information**. You hereby authorise us to release your financial information to your processor or Card Network or other financial/insurance institutions that reasonably request such information in connection with Splitit Transactions. We take no responsibility for how your processor or Card Network treats this information and you will not have any claim against us in connection with this exchange. **5.2 Protective Actions**. If Splitit determines, in its sole discretion, that (i) Merchant fails to comply with any of the provisions in Section 5.1, (ii) Merchant’s financial condition has deteriorated, (iii) your account is suspected of fraudulent activity of any kind, or (iv) your account receives or is likely to receive a high number of customer disputes, chargebacks, or similar complaints or claims (collectively “ **Risk Factors**”), we may take the following actions in connection with your account and/or use of the Splitit Services: **(a) Refusal of New Splitit Transactions**. We may temporarily or permanently cease to provide Splitit Services for future transactions. Subject to the terms of this Platform Agreement, we will continue to provide Authorisation for existing Splitit Transactions until payment of the final Instalment of each such Splitit Transaction. You hereby agree to pay all of our Fees during such a period. **(b) Setoff**. In the event that you default in payment of the Fees to us, we retain a right of setoff and may apply any of your deposit balances or amounts we owe you toward the payment of amounts you owe us under this Platform Agreement. This setoff right does not limit any other rights or remedies we may have under applicable law. ## **6\. INTELLECTUAL PROPERTY** **6.1 Grant of Non-Exclusive License**. The Splitit Platform is protected by several patents and pending patent applications in the U.S. and several other jurisdictions. Subject to the terms of this Platform Agreement, Splitit hereby grants Merchant a limited, non-exclusive, non-sublicensable, non-transferable, revocable license to access the Splitit Platform and use the Splitit Services during the Term. Merchant acknowledges that Splitit may change, deprecate or republish APIs for the Splitit Services or feature(s) of the Splitit Services from time to time, and that it is Merchant’s responsibility to ensure that calls or requests Customer makes to the Services are compatible with then-current APIs for the Services. **6.2 License Restrictions**. Merchant will not, and will not permit any third party to, reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, object code or underlying structure, ideas, know-how or algorithms relevant to the Splitit Platform or Splitit Services; modify, translate, or create derivative works based on the Splitit Platform or Splitit Services; use the Splitit Platform or Splitit Services for timesharing or service bureau purposes or otherwise for the benefit of a third party; or remove any proprietary notices or labels. **6.3 Ownership**. Your use of the Splitit Platform does not grant you any right of ownership over any aspect of the Splitit Platform or over any of Splitit’s intellectual property rights, including but not limited to, patents, copyrights, trademarks, trade secrets, and other intellectual property rights (collectively “ **Intellectual Property Rights**”). We retain all ownership rights, title and interest throughout the world in and to all aspects of the Splitit Platform and the Intellectual Property Rights. You may not act in a manner that is inconsistent with, or that in any way challenges, our ownership of the Splitit Platform, our Intellectual Property Rights and associated registrations. **6.4 Use of Splitit Platform**. Your right to use the Splitit Platform is limited to the usage rights expressly granted by Splitit, and such right is specifically restricted to the Splitit Services. You may not share your use of the Splitit Platform with anyone or assist a third party in using the Splitit Platform in any way without prior written consent from Splitit. **6.5 Use of Merchant Promotional Materials**. You will make your logos, button links, text links and other graphic material (the “ **Promotional Materials**”) available to us for display and use on our website, promotional materials, and social media channels. For the duration of the term of this Platform Agreement, you grant us a non-exclusive, worldwide, royalty-free license to use your intellectual property for the purpose of displaying the Promotional Materials on our website, promotional materials, social media channels, and Australian Stock Exchange reporting materials. ## **7\. CONFIDENTIALITY** By entering into this Platform Agreement and using the Splitit Services, you acknowledge that we will provide you with certain proprietary and highly sensitive information. For the avoidance of doubt, this provision shall cover all services and information provided to you by Splitit or its affiliates in connection with the Splitit Services and ancillary services and shall supersede any previous confidentiality agreements. **7.1 Definition**. “Confidential Information” means any information disclosed, provided or made available directly or indirectly by us to you in any form, for the purpose of evaluating, executing, or providing administrative services with respect to a Splitit Transaction, including proprietary information, marketing techniques and know-how, data compilations, analyses, projections, techniques, sketches, drawings, works of authorship, models, inventions, know-how, processes, apparatuses, equipment, algorithms, software programs, software source documents and formulae related to the current, future and proposed products and services of Splitit. **7.2 Exclusions**. Confidential Information does not include any information that (i) was in the public domain prior to our disclosure to you; (ii) becomes publicly known independent of any action by you; (iii) you can prove was already rightfully in your possession at the time of disclosure; or (iv) was obtained by you from a third party without a breach of such third party’s obligations of confidentiality. **7.3 Non-use and Non-disclosure**. You will not use any of our Confidential Information for any purpose other than for the purpose of your engagement with Splitit as governed by this Platform Agreement. **7.4 Required Disclosure**. In the event that you are required by law, governmental or regulatory authority, or by a court of competent jurisdiction to disclose any Confidential Information, you will inform us immediately so that we may seek an appropriate protective order or injunction or waive your compliance obligations with the provisions of this Platform Agreement, in our sole discretion. In cases where we seek a protective order or injunction, you will cooperate with us in order to obtain such order or injunction. If we fail to obtain a protective order or injunction or you do not receive from us a waiver of your confidentiality obligations, and yet you remain, in the opinion of your legal counsel, legally compelled to disclose Confidential Information, you may disclose only that Confidential Information you are legally required to disclose, provided that you use commercially reasonable efforts to obtain assurances that such Confidential Information will be kept confidential and that you notify us in writing of its scope and content. **7.5 Maintaining Confidentiality**. You shall protect the confidentiality of the Confidential Information, taking at least the degree of care that you take to protect your own confidential information. You shall only share Confidential Information with employees and representatives who are subject to confidentiality and non-disclosure requirements with respect to you and information you receive from third parties. **7.6 Return of Materials**. Upon our written request, you shall return or destroy all documents or media containing or constituting Confidential Information. **7.7 Remedies**. You agree that monetary damages may be an insufficient remedy for any breach or threatened breach of this section 7, and therefore we may be entitled to specific performance and injunctive or other equitable relief in the case of any such breach or threatened breach, and you agree to waive any requirement for the security or posting of any bond in connection with such relief. Such remedy is not the exclusive remedy for breach of this Section 7.7, but is in addition to any other remedy available to us. ## **8\. REPRESENTATIONS AND WARRANTIES** **8.1 Merchant**. You represent and warrant that: **(a) Valid and Binding.**  Each Instalment Agreement constitutes legal, valid, and binding obligations of the relevant Customer in accordance with the terms of the Instalment Agreement, subject to equitable principles and the effect of insolvency laws generally. **(b) Lawful business**. You are engaged in a lawful business and are licensed to conduct your business under the laws of all jurisdictions in which you conduct business. You further represent and warrant that all your statements in this Platform Agreement and related documents are true, accurate, and complete. **(c) Compliance with Applicable Laws**. You will comply with all applicable laws, rules and regulations applicable to you and your business, at your own expense, including, where applicable, all laws prohibiting or limiting the imposition of surcharges, late payment or other fees on Customers with respect to Splitit Transactions. You will comply with all material terms of Splitit policies, procedures, and guidelines governing the Splitit Services that have been provided to you in writing, and the terms of all Instalment Agreements. You may not use the Splitit Platform in any way that may cause us to be subject to investigation, prosecution, or legal action. Although Splitit has no obligation to monitor Merchant’s use of the Splitit Services, Splitit may do so and may prohibit any use of the Splitit Services it believes may be in violation of any rule, regulation, or Splitit policy. By signing this Platform Agreement, you confirm that you are and will remain in full compliance with the operating regulations and rules issued by the Card Networks (the “ **Card Network** **Rules**”). For the avoidance of doubt, Splitit makes no representations or warranties with respect to Merchant’s compliance with Card Network rules. **(d) Reconciliation**. Merchant hereby represents and warrants that Merchatn will reconcile all amounts settled from the Processor in respect of Splitit Transaction on at least a monthly basis inn accordance with industry best practices. Merchant shall immediately report to Splitit if any such amounts have not settled. **(e) Accurate Information**. All information you provided in connection with the Application is true, correct, and not misleading. You are providing information to Splitit in connection with utilizing the Splitit Services for your own purposes and not for anyone other than yourself or on behalf of another Person. You are solely responsible for all data, information, text, content, reports, and other materials that are uploaded, posted, delivered, or otherwise transmitted or stored by or on behalf of Merchant or in connection with the Splitit Transactions or relating to the Splitit Services, including any information provided by a Customer of Merchant.  Merchant warrants that (a) it has all rights necessary to provide any information, data, or other materials that it provides hereunder, and to permit Splitit to use the same as contemplated hereunder, (b) all information provided to Splitit is accurate and complete in all respects, and (c) none of the information the Merchant may provide will (i) violate, misappropriate or infringe any rights of any third party, (ii) will defame or invade the rights of privacy or publicity any rights of any third party, or (iii) is designed for use in any illegal activity or promote illegal activities, including, without limitation, in a manner that might be malicious, illegal or harmful to any person or entity, or discriminatory based on race, sex, religion, nationality, disability, sexual orientation, or age. **(f) Splitit Transactions**. In connection with each Splitit Transaction, you represent that it is a _bona fide_ sale to an authorised cardholder by you for the amount shown on the invoice, which accurately describes the goods and services sold and constitutes the binding obligation of the cardholder, free from any demand, setoff or other adverse claim. You will fulfill all of your obligations to the cardholder and resolve any Customer dispute or complaint directly with the cardholder. **(g) Taxes**. It is your responsibility to determine what, if any, taxes apply in connection with your use of the Splitit Services and Splitit Platform, including to collect, report and remit the correct tax to the appropriate tax authorities. **8.2 Splitit**. We represent and warrant that the Splitit Services will substantially conform to all applicable laws and regulations and will be provided in a timely and commercially reasonable manner. EXCEPT FOR THE WARRANTIES EXPLICITLY SET FORTH HEREIN, THE SPLITIT SERVICES ARE PROVIDED “AS-IS”, AND SPLITIT HEREBY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED.  Splitit does not make any warranty as to the results that may be obtained from use of the Splitit Services. ## **9\. DATA SECURITY** **9.1 Data Usage** **(a) By Merchant**. You agree to use all personal, financial, card or Splitit Transaction information obtained from a cardholder in connection with a Splitit Transaction (“ **Card Data**”) for the purpose of processing a Splitit Transaction with that cardholder. You are responsible for securing data in your possession or control, including through your website. Any disclosure, transfer or use of Card Data and other personal data in connection with the Splitit Services is governed by the [Data Protection Addendum](http://splitit.localsite/legals/data-protection-addendum/) (the “ **DPA**”). **(b) By Splitit**. We will collect, retain, use and share information and Card Data in accordance with the DPA, the Personal Data Protection Act 2012, and all other applicable laws and regulations relating to data protection, as amended from time to time, and in compliance with the PCI DSS. **9.2 Data Security**. Each party agrees to maintain commercially reasonable administrative, technical, and physical procedures to protect Card Data and other non-public personal information about consumers from unauthorised access, accidental loss, modification, or breach. However, no security system is impenetrable and Splitit cannot guarantee that unauthorised parties will never be able to defeat our security measures. Merchant provides Card Data and other information to Splitit with the understanding that any security measures that Splitit provides may not be appropriate or adequate for Merchant’s business, and Merchant agrees to implement security controls that meet Merchant’s specific requirements. In Splitit’s sole discretion, Splitit may take any action, including suspension of Merchant’s company account, to maintain the integrity and security of the Splitit Services, Card Data, other nonpublic personal information, or otherwise to prevent harm to Merchant, its Customers, Splitit or Splitit’s systems, or others. Merchant waives any right to make a claim against us for losses that Merchant incurs that may result from such actions. **9.3 Accuracy and Retention of Data**. You are solely responsible for verifying the accuracy and completeness of all Card Data and any other information submitted to us by Merchant or Processor in connection with the Splitit Transactions. Merchant acknowledges and agrees that Splitit relies on the accuracy of information and any inaccurate information may lead to Merchant losses. Except as otherwise provided in this Platform Agreement, we have no obligation to retain, report or otherwise provide any records of Splitit Transactions or Card Data collected by us. We have no obligation to provide you with any Card Data. **9.4 Data Access**. You must provide us with remote access to Card Data and instruct your credit card payment processor(s) to provide us with unrestricted remote access to your credit card payment processing information relating to Splitit Transactions and the Splitit Services. You grant us the right to access your payment gateway on your behalf and to employ other reasonable methods for obtaining the Card Data in connection with the Splitit Services. **9.5 Password Security**. We will issue you a password granting you and/or your representatives and agents access to a merchant portal providing a dashboard and information regarding your Splitit Transactions (the **“Merchant Portal”**). You hereby agree to restrict use and access to your password to your authorised representatives and agents on an as-needed basis and ensure that each representative or agent is aware of, and complies with, the terms of this Platform Agreement. You are solely responsible for maintaining adequate security and control of any passwords and credentials issued to you by Splitit. **9.6 Audit**. In a case where either party reasonably believe that a security breach or compromise of Card Data has occurred, the parties agree to (i) notify the non-breached party as soon as possible and (ii) reasonably cooperate with the other non-breached party, at its own expense, to conduct a security audit of systems and facilities. ## **10\. TERM AND TERMINATION** **10.1 Term**. This Platform Agreement becomes effective upon your first use of the Splitit Platform and remains in effect until terminated as provided below (the “ **Term**”). **10.2 By the Merchant**. You may terminate this Platform Agreement at any time upon ninety (90) days’ prior written notice; provided that, if you do not accept any changes made to this Platform Agreement, including to the Fee Schedule, you may terminate this Platform Agreement upon thirty (30) days’ prior written notice. **10.3 By Splitit**. Splitit may terminate this Platform Agreement upon any of the following: (a) Ninety (90) days’ prior written notice, for any reason. (b) Thirty (30) days’ prior written notice, if there is or may reasonably be an increase in Risk Factors associated with your Splitit account. (c) Immediately, (i) if you change the basic nature of your business without prior written notice to us, (ii) if you do not comply with the terms of, or if you do not perform any of your obligations under, this Platform Agreement or other agreements entered into with Splitit, (iii) if we are requested to do so by any of the Card Networks or any governmental authority, (iv) if you are not in compliance with any statute, law, rules and regulations applicable to you and your business, or (v) if you become, or are declared to be, subject to any bankruptcy, insolvency, liquidation, reorganisation, court schemes, moratoria, administration and other laws generally affecting the rights of creditors. **10.4 Effect of Termination**. Upon termination of this Platform Agreement, you shall remove all Splitit branding assets from your websites and we will stop facilitating new Splitit Transactions through the Splitit Platform. You will not receive a refund for any Fees paid on account of your use of the Splitit Services. We will continue to facilitate processing of any remaining Instalments under existing Splitit Transactions. **10.5 Survival**. The following sections of this Platform Agreement shall survive termination: 2.4 – 2.6, 3.1-3.4, 4, 5.2(b), 6.2, 6.3, 6.5, 7, 9.1, 9.2, 10.4, 11.1, 11.2, 11.5-11.9, and 11.12. ## **11\. MISCELLANEOUS** **11.1 Limitation of Liability**. The Splitit Platform, Splitit Services and all accompanying documentation are provided to you on an “as is” basis, without any express or implied warranties. Nothing in this Platform Agreement limits or excludes either our or your liability for (a) fraud or fraudulent misrepresentation, or (b) any liability that cannot be limited or excluded by applicable law. Notwithstanding anything herein to the contrary, each Party’s total liability to the other Party under this Platform Agreement shall not exceed the aggregate Fees received by Splitit on account of Merchant’s use of the Splitit Services during the thirty (30) days prior to the date of claim. **11.2 No Consequential Damages**. Under no circumstances will either party or any of our respective affiliates, vendors, officers, directors, employees, contractors or agents be liable toward the other party for any indirect, incidental, consequential or special damages, including, without limitation, damages for lost revenue, lost profits (real or anticipated), lost business, lost data, injury to business reputation or cost of procurement of substitute services, whether in contract or in tort, including negligence or otherwise, regardless of whether such party has been advised of the possibility of such damages. **11.3 Assignability**. This Platform Agreement may not be assigned by either party without the advance written consent of the other party, which consent shall not be unreasonably withheld, except that either party may assign its interests in this Platform Agreement to a parent corporation or affiliate now existing or hereinafter formed without advance written consent.  In addition, Splitit may assign, transfer or novate this Platform Agreement (or any rights arising out of it) (i) to any successor corporation in the event Splitit is acquired, whether by asset purchase, stock purchase, merger or any other change of control transaction, or (ii) to any financier, lender, third party investor, third party purchaser of receivables or to any special purpose company established by any of the foregoing at any time in its absolute discretion.  If you change your name or place of jurisdiction, you shall immediately notify Splitit in writing. **11.4 Notices**. Any notices sent in relation to this Platform Agreement will be sent by email and effective upon delivery; if to you, to the email address you provided in connection with this Platform Agreement, and, if to us, to legal@splitit.com and to success@splitit.com. If you wish to terminate this Platform Agreement, notice must be sent by email to success@splitit.com. **11.5 Waiver**. If either party fails to enforce any provision of this Platform Agreement, or to exercise any right or remedy under this Platform Agreement or applicable law to which it is entitled, such failure will not be construed as a waiver of such party’s right to assert or rely upon any such provision, right or remedy. Any waiver by either party of a breach of any provision of this Platform Agreement must be in writing, and no such waiver will be construed as a waiver of any other and/or subsequent breach of such provision or a waiver of the provision itself. **11.6 Indemnification**. Except for losses resulting from Splitit’s misconduct, negligence, wilful violation of its applicable law, or reckless disregard for its duties under this Agreement, you agree to indemnify, defend and hold Splitit and its affiliates, subsidiaries, and their respective officers, directors, and employees harmless from any losses, damages, claims, liabilities and expenses, including reasonable attorney’s fees on a solicitor-client basis, related to your use of the Splitit Platform or Splitit Services, or any violation by you of this Platform Agreement, and related agreements entered into by you with Splitit, or any Customer, including any Instalment Agreement. **11.7 Governing Law; Arbitration**. This Agreement will be governed by the laws of Singapore, exclusive of its rules governing choice of law and conflict of laws.  Any dispute, controversy or claim arising out of or in connection with this Platform Agreement, including any question regarding its existence, validity or termination, shall be referred to and finally resolved by confidential, binding arbitration administered by the Singapore International Arbitration Centre in accordance with the Arbitration Rules of the Singapore International Arbitration Centre for the time being in force, which rules are deemed to be incorporated by reference into this Section 11.7. The seat of the arbitration shall be Singapore. The tribunal shall consist of one arbitrator to be appointed by the President of the Court of Arbitration of the Singapore International Arbitration Centre. The language of the arbitration shall be English. **11.8 Export Compliance**. Each party will comply with the export laws and regulations of the United States, European Union, Singapore and other applicable jurisdictions in providing and using the Splitit Services. **11.9 Relationship**. Nothing contained herein will in any way constitute any association, partnership, agency, employment, debtor/creditor relationship, or joint venture between the parties hereto, or be construed to evidence the intention of the parties to establish any such relationship. Neither party will have the authority to obligate or bind the other in any manner, and nothing herein contained will give rise or is intended to give rise to any rights of any kind to any third parties. **11.10 Third party rights**. Subject to Section 11.3 (Assignability), nothing in this Platform Agreement confers, or is intended to confer, a benefit enforceable by a person other than the parties hereto and no term of this Platform Agreement is enforceable under the Contracts (Rights of Third Parties) Act 2001 by a person other than you. **11.11 Severability**. If any provision of this Platform Agreement or portion thereof is held to be unenforceable, this determination will not affect the remainder of this Platform Agreement. **11.12 Entire Agreement**. This Platform Agreement, together with the Application and all of our policies referenced herein, sets forth the entire understanding between us and supersedes any other agreement or understanding concerning the subject matter of this Platform Agreement. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=8sp2ryjtgcy4)# How Splitit became the \#1 choice over financing options +78% increase in checkout conversion -10% cart abandonment ![](https://www.splitit.com/wp-content/uploads/2024/10/virgin-pure-with-logo.jpg) ### About Virgin Pure Virgin Pure is changing the way people drink water. It is their mission to make people happier and healthier by being a business that does good. Basically, drink more clean water, improve your health, and reduce waste. They are dedicated to limiting single-use plastics and their harmful impact on the environment through the use of their water dispensers in residential homes and businesses all over the UK. They provide the purest water dispensed boiling or chilled from their beautifully designed smart machines – there is no scale, no chemicals, and no bacteria, just consistently great tasting water whenever you want! ![](https://www.splitit.com/wp-content/uploads/2022/01/virgin-pure-product-splitit.webp) ## How Splitit became the preferred payment solution During a trial period, Splitit plus other financing options were offered to Virgin Pure’s residential shoppers. The success rate with Splitit in addition to the positive feedback received during this trial period led Virgin Pure to move forward with just one payment solution, and that is Splitit. In a market where 50% of customers prefer to pay in installments, Splitit is a win-win solution. Splitit offers customers what they want and need – monthly installment payments that run on their credit card, is easy to understand, and does not require applications or credit checks. Everything from their product line to their payment method is streamlined and simple at Virgin Pure, which is why Splitit is the perfect fit! “ “In a market where 50% of customers prefer to pay in installments, Splitit is a win-win solution” ![](https://www.splitit.com/wp-content/uploads/2022/01/virgin-pure-splitit-1024x768.jpg) ## Who loves Virgin Pure water systems? Busy families with children, especially those who live in cities where water can feel less pure, are particularly interested in Virgin Pure water dispensers because it provides a convenient way to drink more water and create greener homes. Their sleek design fits perfectly in any kitchen and helps parents steer their kids away from all those sugary drinks. Environmental Impact of Virgin Pure Water Systems - 85% of customers drink more water once they have the Virgin Pure dispenser installed - 6 months of use of 3 Virgin Pure water dispensers in a public shopping center prevented the consumption of 33k single-use plastic bottles - Using a kettle to boil water consumed 32% more energy in a year than the Virgin Pure dispenser ## Want to find out how Splitit can help your business grow like Virgin Pure? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=8l0mkvfh1axy)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # Splitit Privacy Policy For Surveys ## This privacy policy (“ **Privacy Policy**”) applies to information we process and collect once you (“ **you**” or “ **user**”) complete one of our surveys. The survey we sent you or invite you to take is operated and managed by Splitit Ltd., its subsidiaries and affiliated companies (collectively, “ **Splitit**”, or “ **we** “, “ **us**”, “ **our**”). Your privacy is important to Splitit. You are not required by law to provide us with any personal data. Sharing personal data with us is entirely voluntary. **By filling out a survey you agree that we will process your data in line with this Privacy Policy** **.** If you have any questions or requests regarding the processing of your personal data, or would otherwise like to contact us in connection with this Privacy Policy, please send us an email to [info@splitit.com](mailto:info@splitit.com). 1. **What data is collected by Splitit and for what purposes?** In connection with your participation in a survey, we will collect and process the information you fill in the survey form. Such information shall include the following types of personal data (i.e. personal data is in information which identifies or may identify an individual: - Your email address in order to send you a voucher for completing a survey. - Information regarding your purchase experience via Splitit services, including your feedback on the process and customer support. We collect this information in order to improve our services and product and understand if there are any difficulties or failures in connection with the use of our services. - Information regarding your age range, gender, payment preferences, income, etc.. We collect this information for our statistics and analytics purposes and in order to improve the service and make it customized for our shoppers. - We may link the information collected in the survey to information we already have about you, such as which type of payment card you used with Splitit, the merchant you were purchasing from, merchant location, your location, etc. We will link the above-mentioned information to the information we have on you (only to the extent we have) in order to analyze and get insights regarding transactions made with our services and in order to improve our services. 2. **Will Splitit share my data with others?** - WE DO NOT SELL OR RENT ANY OF YOUR PERSONAL DATA TO NON-AFFILIATED THIRD PARTIES FOR THEIR MARKETING PURPOSES. - Non-personal data, aggregate and statistical or otherwise anonymized data may be shared without limitation with third parties at our discretion. This information does not contain personal data and is used to develop content services for our clients. - We share personal data only under the following limited circumstances: (i) with trusted third parties who assist us in operating our services and conducting our business, such marketing and technology services; (ii) as necessary to help detect and prevent potentially illegal acts and fraud, and to guide decisions about the products, services and communications; (iii) to comply with a legal requirement, for the administration of justice, to protect your vital interests or the vital interests of others, to protect the security or integrity of our databases or the services, to take precautions against legal liability, or in the event of a corporate sale, merger, reorganization, dissolution or similar event. 3. **How Can I Control My Personal Data?** - **Reviewing and amending your personal data.** You may send us a request in connection with reviewing your personal data to [info@splitit.com](mailto:info@splitit.com). In the event any personal data is incorrect or outdated, you may update and correct such data by providing us with appropriate notification. - **Right of erasure and restriction**. You may also be entitled to request the erasure or the restriction of your personal data, and we will comply with such requests, to the extent required under applicable law. - **Portability of personal data.** To the extent relevant and applicable to you, you may be entitled to request the portability of your personal data, and we will comply with such requests, to the extent required under applicable law. - **Retention period:** we reserve the right to retain personal data for as long as reasonably necessary in order to: (i) fulfill the purposes described herein; (ii) in the defense or assertion of legal claims and liability; (iii) for the analysis and development of the services; and (iv) to comply with applicable law. Non-personal data and statistical anonymized data may be retained by us without limitation. - **Filing a complaint to a supervisory authority**. You are also entitled to file a complaint with the appropriate supervisory authority in connection with concerns you may have with regard to your privacy and personal data. 4. **Transfer of Information** Our databases are currently located in the United States. Some of our processing activities are made in Israel. The European Commission has decided that the State of Israel ensures an adequate level of privacy and data protection, therefore, in accordance with the GDPR, the transfer of Personal Data from the EU to Israel is lawful and does not require any specific authorization. Any other transfer of Personal Data originating from the EU to a third country (other than Israel) shall be made in accordance with applicable law, including by providing adequate protections, or otherwise implementing appropriate safeguards to ensure the protection of your rights. 5. **Contact information** - If you have any questions regarding this privacy policy or our processing of your personal data, please contact [info@splitit.com](mailto:info@splitit.com). 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Este contrato se celebra entre nosotros y el titular de la tarjeta que realiza la compra (“ **Comprador**”, “ **usted**”, “ **su**”, “ **sus**”). Usted ha indicado que desea realizar una compra con nosotros y pagar dicha compra a plazos, utilizando una tarjeta de pago que le ha sido emitida por su banco emisor. Esta transacción se realiza con tecnología proporcionada por nuestro proveedor de servicios externo Splitit USA, Inc. (“ **Splitit**”).  La compra se rige por nuestras condiciones comerciales habituales, que incluyen, entre otras, nuestra Política de devoluciones, los presentes Términos y condiciones de pago a plazos (“ **Contrato**”), [el consentimiento e información sobre firmas electrónicas](http://splitit.localsite/legals/e-sign-disclosure-agreement/) y una declaración informativa independiente sobre la Truth in Lending Act (Ley de veracidad en los préstamos) que le proporcionamos y se incorpora a este Contrato por referencia. Al elegir realizar esta compra a plazos con el apoyo de Splitit, usted acepta obligarse por estos términos, condiciones y pactos. Este Contrato es exclusivamente entre usted y nosotros y estará en vigor hasta que todos los importes adeudados en virtud de este Contrato hayan sido pagados en su totalidad o se cancelen o reintegren de alguna otra manera. Usted no celebra ningún contrato con Splitit. **Cómo funciona.** Al seleccionar la opción de pago “Splitit” en la página de pago y aceptar este Contrato, usted nos autoriza a cargar a plazos en la tarjeta elegible que usted seleccione en la caja (o que posteriormente nos proporcione) el número de pagos que seleccionó en la caja (llamamos “ **Abonos**” a estos pagos). Ni nosotros ni Splitit le imponemos ningún interés o cargo adicional por seleccionar esta opción de pago. La fecha de pago y el importe de cada Abono que recibiremos se mostrarán en el sitio web antes de que finalice su compra y se le enviarán por correo electrónico inmediatamente después de que complete su compra.  Cargaremos en su tarjeta el primer Abono (su “ **pago inicial**”) cuando su pedido esté completo (podríamos cobrarlo después si el envío es posterior pero, en todo caso, nunca cobraremos el pago inicial más de 28 días después de que haya colocado su pedido).  Cada Abono subsiguiente se cobrará mensualmente, en las fechas indicadas en la declaración informativa sobre veracidad en los préstamos, hasta que se pague la totalidad del importe adeudado en virtud de este Contrato. Si decide utilizar una tarjeta de crédito para realizar los pagos, también podemos obtener una preautorización para cargar en su tarjeta de crédito el Precio de venta total en el momento de la compra. Una preautorización significa que se bloqueará una parte de la línea de crédito disponible en su tarjeta de crédito, hasta por el importe del Precio de venta total, con el fin de garantizar que disponga de crédito suficiente para realizar los pagos futuros. Para asegurarnos de mantener una preautorización válida para cargar en su tarjeta de crédito los bienes o servicios que le hemos suministrado, renovaremos la preautorización cada 21 días utilizando los datos de la tarjeta de crédito facilitados en el momento de la compra (o una tarjeta de crédito que nos proporcione posteriormente) presentando una solicitud de preautorización por el importe que usted adeude en el momento de solicitar cada preautorización. Esto significa que el importe de cada preautorización se reducirá según el monto de los abonos pagados a través del tiempo. Le avisaremos 7 días antes de que tengamos intención de renovar la preautorización. Es probable que el emisor de su tarjeta de crédito deduzca de su crédito disponible el importe del cargo preautorizado en su tarjeta de crédito, de modo que no podrá utilizar esa cantidad de su línea de crédito mientras nuestra preautorización siga vigente.  Incluso si el emisor de su tarjeta de crédito no lo hace, debe asegurarse de tener crédito disponible suficiente para cubrir la totalidad del importe que nos adeude en virtud de este Contrato por su compra (sin incluir las cantidades que ya nos haya pagado) en todo momento. Si no logramos obtener la preautorización del cargo que pretendemos hacer en su tarjeta de crédito, nos pondremos en contacto con usted por correo electrónico para informarle.  También seguiremos intentando obtener la aprobación de la preautorización presentando una solicitud una vez al día durante los 7 días siguientes.  Puede proporcionarnos otra tarjeta de crédito válida y aceptable para utilizarla para solicitar las preautorizaciones y los pagos.  En lo sucesivo solicitaremos las preautorizaciones de pago y las posteriores solicitudes de liquidación contra esta tarjeta de crédito alternativa.  **Si no podemos renovar la preautorización por las cantidades que usted adeuda según este Contrato antes de la siguiente fecha de vencimiento del Abono, y usted no realiza un pago del Abono antes de la fecha de vencimiento (sujeto al período de gracia que corresponda), podemos presentar una solicitud de pago contra la última preautorización que obtuvimos en su tarjeta de crédito por el precio total de la compra menos el importe de los abonos que usted ya haya pagado.** Si proporciona una tarjeta de débito para realizar los pagos de los Abonos en virtud de este Contrato, podremos solicitar una preautorización de retención temporal de fondos en su tarjeta de débito por un monto equivalente al Precio de venta total en el momento de la compra, pero sólo cargaremos en su tarjeta de débito el primer pago en ese momento. El importe restante de la retención de fondos de la preautorización (el Precio de venta total menos su primer pago), si procede, se eliminará de su tarjeta de débito en aproximadamente 5-7 días después de la fecha de su compra, pero los plazos de procesamiento pueden variar dependiendo de su banco. No renovaremos la preautorización de retención de fondos en su tarjeta de débito.  Seguiremos cargando en su tarjeta de débito el importe de cada abono subsiguiente de forma mensual, en cada fecha de vencimiento del abono, hasta que quede cubierta la totalidad del importe adeudado en virtud de este Contrato. En caso de que no haya fondos suficientes en la tarjeta de débito, se lo notificaremos. **Si algún intento de pago es infructuoso o nos es devuelto sin pagar, podemos volver a hacer el intento de pago hasta dos veces más, a menos que lo prohíba la ley.** Cuando usted utilice nuestros servicios, es posible que tenga que pagar otros impuestos o costos que no imponemos nosotros (como los cargos por uso de internet, las comisiones establecidas por el banco emisor de su tarjeta de crédito o débito, o los derechos aduaneros de su país).  **EN PARTICULAR, TENGA EN CUENTA QUE COMO LOS PAGOS SE CARGAN A SU TARJETA, ES POSIBLE QUE SE LE COBREN INTERESES, COMISIONES U OTROS CARGOS ESTABLECIDOS POR EL EMISOR DE SU TARJETA EN VIRTUD DEL CONTRATO CELEBRADO CON USTED. ESTO PUEDE INCLUIR RECARGOS POR RETRASO EN EL PAGO, COMISIONES POR SOBREGIRO, INTERESES PERIÓDICOS O COMISIONES POR SOBREPASAR EL LÍMITE. USTED ES EL ÚNICO RESPONSABLE DE PAGAR ESTOS CARGOS.** **Derecho a suspender los pagos; cambio de método de pago:** Usted tiene derecho a suspender los pagos en su tarjeta de crédito o débito seleccionada; para ello, sólo tiene que llamarnos al 1 (844) 775-4848, escribirnos por correo electrónico a support@splitit.com, o proporcionarnos una nueva tarjeta elegible en la plataforma de Splitit.  Deberá comunicárnoslo con tiempo suficiente para que recibamos su solicitud al menos 3 días hábiles antes de la fecha de vencimiento de su siguiente abono. Si llama, podemos exigirle que confirme su solicitud por escrito dentro de los 14 días siguientes a su llamada. Si su tarjeta de crédito o débito se sustituye, se cancela, deja de ser válida o si usted desea utilizar una tarjeta diferente, debe iniciar sesión en la plataforma de Splitit y proporcionar una tarjeta elegible al menos 3 días hábiles antes de la fecha de vencimiento de su próximo Abono. Es posible que no podamos procesar su solicitud si no la recibimos a tiempo. Cuando proporcione una nueva tarjeta de débito o crédito, podremos solicitar una o varias preautorizaciones de cargos en su tarjeta equivalentes al Precio de venta total menos el importe de los Abonos que ya se hayan contabilizado en su cuenta, como se describió anteriormente. Si no tiene suficiente crédito disponible o fondos disponibles en la nueva tarjeta para procesar la preautorización, es posible que no aceptemos la tarjeta. Es su responsabilidad asegurarse de que, hasta que se pague el último abono, la tarjeta de crédito o débito que presente para el pago en el momento de la compra, o en cualquier momento posterior, siga siendo válida, no esté cancelada y tenga suficiente saldo o crédito disponible para pagar todos los Abonos y para que se aprueben todas las preautorizaciones que se realicen en virtud de este Contrato. **AUTORIZACIÓN DE PAGOS: AL ACEPTAR ESTE CONTRATO, USTED NOS AUTORIZA A NOSOTROS O A NUESTRO PROVEEDOR DE SERVICIOS A (1) SOLICITAR PREAUTORIZACIONES EN SU TARJETA SELECCIONADA HASTA POR UN MONTO EQUIVALENTE AL PRECIO TOTAL DE VENTA, TAL COMO SE DESCRIBIÓ ANTERIORMENTE; (2) CARGAR EN SU TARJETA SELECCIONADA EL IMPORTE DE SU PAGO INICIAL EN LA FECHA DE ESTE CONTRATO O DESPUÉS DE ELLA; (3) CARGAR EN SU TARJETA SELECCIONADA EL IMPORTE DE CADA ABONO EN CADA FECHA DE VENCIMIENTO QUE CORRESPONDA, TAL COMO SE DESCRIBE EN LA INFORMACIÓN SOBRE VERACIDAD EN LOS PRÉSTAMOS; (4) CARGAR EN SU TARJETA SELECCIONADA EL PRECIO TOTAL DE LA VENTA MENOS LOS ABONOS QUE YA HAYA PAGADO (A) EN CASO DE INCUMPLIMIENTO (SUJETO A LOS DERECHOS DE NOTIFICACIÓN Y SUBSANACIÓN QUE LE OTORGUE LA LEY) O (B) SI CANCELA ESTE CONTRATO DESPUÉS DEL PLAZO PERMITIDO POR ESTE; Y (5) CARGAR EN SU TARJETA SELECCIONADA LO QUE SEA NECESARIO PARA CORREGIR ERRORES, SI LOS HUBIERE.  ESTA AUTORIZACIÓN DE PAGO SEGUIRÁ EN PLENA VIGENCIA HASTA QUE SE PAGUEN TODOS LOS ABONOS EN SU TOTALIDAD O HASTA QUE RECIBAMOS LA NOTIFICACIÓN DE QUE USTED HA REVOCADO ESTA AUTORIZACIÓN.** **Manejo de los pagos con tarjeta.** Utilizamos una plataforma tecnológica de terceros proporcionada por Splitit para llevar el control de los pagos que usted nos adeuda en virtud de este Contrato y utilizamos esta plataforma para presentar las solicitudes de preautorización y de pago con tarjeta en los momentos que hemos acordado.  Utilizamos esta plataforma tecnológica para dar seguimiento a las fechas y montos que tiene que pagar y para enviarle las notificaciones correspondientes.  Verá que algunas de estas cartas dicen “con tecnología de Splitit”.  Esto le ayudará a identificar los pagos por los que nos hemos comunicado con usted. **Devoluciones.** Puede devolvernos los productos según lo establecido en nuestra Política de Devoluciones.  Es posible que no podamos aceptar la devolución de los productos si se fabricaron a medida según sus especificaciones. **Cancelación.** Tiene derecho a cancelar este Contrato y recibir el reembolso de la cantidad que haya pagado en virtud del mismo hasta lo que ocurra al último de los siguientes acontecimientos: (1) en cualquier momento antes de que se le entreguen los bienes o se presten los servicios que adquirió en virtud de este Contrato, o (2) durante los tres días siguientes a la aceptación de este Contrato. Para solicitar una cancelación, póngase en contacto con nosotros por correo electrónico en [support@splitit.com](mailto:merchant.support@splitit.com) o llame al 1 (844) 775-4848.  Si ya le entregamos o enviamos los productos, es posible que le pidamos que nos devuelva rápidamente los productos en las mismas condiciones en que los recibió para poder tramitar su cancelación. Es posible que no pueda cancelar este Contrato si los productos se fabricaron a medida según sus especificaciones. Puede ser que tenga que proporcionar información adicional en relación con la notificación de rescisión o cancelación para que podamos identificar correctamente el Contrato que se va a cancelar.  En todo caso, puede cancelar este Contrato en cualquier momento si nos informa por correo electrónico, pero no podrá recibir un reembolso y se le podrá exigir que pague la totalidad del importe que nos adeuda en virtud de este Contrato. **Incumplimiento.** Sujeto a la legislación aplicable, que puede requerir que le notifiquemos y/o le demos el derecho a subsanar el incumplimiento, podemos declararlo en incumplimiento en lo que se refiere a este Contrato por cualquiera de las siguientes razones: (1) si usted no paga algún Abono en la fecha de vencimiento, y después del período de gracia que corresponda; (2) si usted incumple alguno de los compromisos adquiridos en virtud de este Contrato que perjudique significativamente su capacidad de pago o nuestra posibilidad de cobrar las cantidades adeudadas según lo previsto en este Contrato; (3) si usted solicita la protección del Código de Bancarrota de los Estados Unidos, o queda sujeto a un procedimiento por el que intente obtener la suspensión de pagos de la deuda; (4) si usted ha hecho una declaración falsa o engañosa sobre un asunto importante en relación con este Contrato; (5) si usted revoca su consentimiento para recibir comunicaciones electrónicas; o (6) usted muere o se vuelve legalmente incompetente. **Consecuencias del incumplimiento.** Si incumple este Contrato, podemos exigirle que pague de una vez el importe restante que nos debe en virtud de este Contrato, sin perjuicio de los derechos que tenga a que se le notifique el incumplimiento y a subsanar dicho incumplimiento.  Podemos requerir el pago de esta cantidad mediante un cargo en su tarjeta de crédito o débito de acuerdo con las preautorizaciones que se hayan obtenido en virtud de este Contrato. Si remitimos el presente Contrato a un abogado que no sea empleado asalariado nuestro para su cobro, podremos exigirle que pague los honorarios y gastos razonables de nuestros abogados, en la medida en que lo permita la legislación aplicable. **Cesión.** Por este medio se le notifica que, en relación con los servicios prestados por Splitit, podemos transferir, vender o ceder los Abonos y los derechos asociados, si los hubiere, a Splitit o a una de sus filiales sin consentimiento previo de usted. Si lo hacemos, este Contrato seguirá en vigor y será vinculante y redundará en beneficio de nuestros cesionarios.  Usted no puede transferir los derechos que le otorga este Contrato y todo intento de hacerlo será nulo y sin efecto. **Derecho aplicable; Divisibilidad.** El presente Contrato (y nuestros tratos anteriores a la celebración de este contrato) se regirá por las leyes federales y, en la medida en que no sea aplicable, por las leyes del estado en el que haya adquirido los bienes y servicios. Si se determina que alguna disposición de este Contrato o parte del mismo es inaplicable, dicha determinación no afectará el resto de este Contrato. **Limitación de la responsabilidad.** Usted acepta que nosotros, Splitit y nuestros respectivos proveedores de servicios, agentes, funcionarios, directores y empleados (y los de nuestras subsidiarias y filiales así como nuestras mismas subsidiarias y filiales) (colectivamente, las “ **Partes exoneradas**”) no seremos responsables de nada que hagamos al seguir sus instrucciones. Además, las Partes exoneradas no serán responsables si alguna de ellas no sigue sus instrucciones si creemos dentro de lo razonable que sus instrucciones nos expondrían a posibles pérdidas o responsabilidad civil o penal, o que entrarían en conflicto con las prácticas bancarias habituales. LAS PARTES EXONERADAS NO SERÁN RESPONSABLES POR DAÑOS INDIRECTOS, ESPECIALES O CONSECUENTES, INDEPENDIENTEMENTE DE LA FORMA DE ACCIÓN E INCLUSO SI HUBIÉRAMOS SIDO ADVERTIDOS DE LA POSIBILIDAD DE TALES DAÑOS. SI NO SUSPENDEMOS EL PAGO DE UN ARTÍCULO, O PAGAMOS UN ARTÍCULO CON UNA FIRMA NO AUTORIZADA, UNA FIRMA FALSIFICADA O UN ENDOSO O ALTERACIÓN FALSOS, NUESTRA RESPONSABILIDAD, SI LA HUBIERA, SE LIMITARÁ AL IMPORTE NOMINAL DEL ARTÍCULO. La anterior limitación de responsabilidad no se aplicará cuando esté expresamente prohibida por las leyes que rigen su Cuenta. Esta sección de _Limitación de responsabilidad_ seguirá vigente a la terminación de este Contrato. **Acuerdo de arbitraje.** Siempre estamos interesados en resolver disputas, reclamaciones o controversias (“ **Reclamación**”) de forma amistosa y eficiente y la mayoría de las preocupaciones de los clientes pueden resolverse rápidamente y a satisfacción del cliente con sólo ponerse en contacto con nosotros por correo electrónico en [support@splitit.com](mailto:merchant.support@splitit.com) o por correo postal en Splitit USA, Inc., 16 East 34th Street, New York, NY 10036. Si tales esfuerzos resultan infructuosos, usted y nosotros nos comprometemos a que todas las disputas se resolverán mediante arbitraje vinculante caso por caso. La parte que desee recurrir al arbitraje deberá enviar primero a la otra, por correo certificado, una Notificación de Disputa (“ **Notificación**”) por escrito.  La Notificación debe (a) describir la naturaleza y el fundamento de la Reclamación y (b) exponer la reparación específica que se solicita. Si no resuelve la Reclamación con nosotros o con la Parte exonerada dentro de los 60 días naturales siguientes a la fecha de recibo de la Notificación, usted, nosotros o la Parte exonerada, según corresponda, podremos iniciar el procedimiento de arbitraje, según se establece en esta sección. El arbitraje será conducido por un árbitro neutral de acuerdo con las normas y procedimientos de la AAA, incluidas las Normas de Arbitraje de Consumo de la AAA (colectivamente, las “ **Normas de la AAA**”), modificadas por este Acuerdo de Arbitraje. El árbitro también debe seguir las disposiciones de este Contrato como lo haría un tribunal. SI ALGUNA DE LAS PARTES INICIA UN PROCESO DE ARBITRAJE CON RESPECTO A UNA RECLAMACIÓN, NI USTED NI NOSOTROS NI LA PARTE EXONERADA TENDREMOS DERECHO A LITIGAR DICHA RECLAMACIÓN EN UN TRIBUNAL NI A TENER UN JUICIO POR JURADO SOBRE ESA RECLAMACIÓN, NI A PARTICIPAR EN LA PRESENTACIÓN DE PRUEBAS ANTES DEL ARBITRAJE, EXCEPTO POR LO ESTABLECIDO EN LAS NORMAS DE ARBITRAJE APLICABLES DE LA AAA. ADEMÁS, USTED NO TENDRÁ DERECHO A PARTICIPAR COMO REPRESENTANTE O MIEMBRO DE NINGUNA DEMANDA COLECTIVA EN RELACIÓN CON ESA RECLAMACIÓN, Y SÓLO TENDRÁ LOS DERECHOS QUE LE OTORGA UN ARBITRAJE INDIVIDUAL. LA DECISIÓN DEL ARBITRO SERÁ DEFINITIVA Y VINCULANTE PARA TODAS LAS PARTES, SALVO POR LO DISPUESTO EN LA LEY FEDERAL DE ARBITRAJE (la “ **FAA**”). Sin perjuicio de lo anterior, usted y nosotros nos reservamos el derecho de presentar ante un tribunal de asuntos de menor cuantía (o en un tribunal estatal equivalente) toda disputa que esté dentro de la competencia de dicho tribunal, siempre y cuando las disputas permanezcan en dicho tribunal y presenten sólo una demanda individual de reparación. Si usted o nosotros no nos sometemos a un arbitraje vinculante de una disputa arbitrable tras una demanda legal, la parte que no lo haga asumirá todos los costos y gastos en los que la otra haya incurrido para obligar al arbitraje. ESTE ACUERDO DE ARBITRAJE NO ES APLICABLE A USTED SI, EN LA FECHA DE ESTE CONTRATO, USTED ES UN PRESTATARIO CUBIERTO POR LA LEY FEDERAL DE PRÉSTAMOS MILITARES. SI DESEA OBTENER MÁS INFORMACIÓN PARA SABER SI ESTÁ CUBIERTO POR LA LEY DE PRÉSTAMOS MILITARES, EN CUYO CASO ESTA DISPOSICIÓN DE ARBITRAJE NO APLICA A USTED, PÓNGASE EN CONTACTO CON NOSOTROS EN EL 1 (844) 775-4848. **Prohibición de demandas colectivas y representativas y de reparación no individualizada.** USTED ACEPTA QUE PUEDE PRESENTAR DEMANDAS CONTRA NOSOTROS O CONTRA UNA PARTE EXONERADA SÓLO DE FORMA INDIVIDUAL Y NO COMO DEMANDANTE O MIEMBRO DE DEMANDA EN CUALQUIER ACCIÓN O PROCEDIMIENTO PRESUNTAMENTE COLECTIVO O REPRESENTATIVO. A MENOS QUE USTED Y LA PARTE EXONERADA ACUERDEN LO CONTRARIO, EL ÁRBITRO NO PODRÁ CONSOLIDAR NI UNIR LAS RECLAMACIONES DE MÁS DE UNA PERSONA O PARTE Y NO PODRÁ PRESIDIR NINGUNA FORMA DE PROCEDIMIENTO CONSOLIDADO, REPRESENTATIVO O COLECTIVO. ASIMISMO, EL ÁRBITRO PODRÁ EMITIR UN LAUDO DE REPARACIÓN (INCLUIDA UNA REPARACIÓN MONETARIA, CAUTELAR Y DECLARATIVA) SÓLO A FAVOR DE LA PARTE INDIVIDUAL QUE SOLICITE LA REPARACIÓN Y SÓLO EN LA MEDIDA NECESARIA PARA PROPORCIONAR LA REPARACIÓN REQUERIDA POR LA O LAS RECLAMACIONES INDIVIDUALES DE DICHA PARTE, SALVO QUE USTED PUEDE PRESENTAR UNA RECLAMACIÓN Y EL ÁRBITRO PUEDE OTORGAR UNA REPARACIÓN CAUTELAR PÚBLICA EN VIRTUD DE LA LEGISLACIÓN APLICABLE EN LA MEDIDA NECESARIA PARA LA APLICABILIDAD DE ESTA DISPOSICIÓN. **AVISO DE LA LEY DE PRÉSTAMOS MILITARES:** La ley federal ofrece importantes protecciones a los miembros de las Fuerzas Armadas y a sus dependientes en relación con la concesión de créditos al consumo. En general, el costo del crédito al consumo para un miembro de las Fuerzas Armadas y sus dependientes no puede superar una tasa porcentual anual de 36 por ciento.  Esta tasa debe incluir, según corresponda a la operación o cuenta de crédito: los costos asociados con las primas de seguro de crédito; las comisiones por productos auxiliares vendidos en relación con la operación de crédito; toda comisión aplicable que se cobre (excepto determinadas comisiones de solicitud por operaciones o cuentas de crédito específicas); y toda comisión de participación que se cobre (excepto determinadas comisiones de participación por una cuenta de tarjeta de crédito). Para recibir esta información y una descripción de su obligación de pago de forma oral, llame al 1 (844) 775-4848. **AVISO:** EL TITULAR DE ESTE CONTRATO DE CRÉDITO AL CONSUMO ESTÁ SUJETO A TODAS LAS RECLAMACIONES Y DEFENSAS QUE EL DEUDOR PUEDA HACER VALER CONTRA EL VENDEDOR DE LOS BIENES O SERVICIOS OBTENIDOS EN VIRTUD DEL PRESENTE CONTRATO O CON LOS BENEFICIOS DEL MISMO. LA RECUPERACIÓN POR PARTE DEL DEUDOR NO SUPERARÁ LOS IMPORTES PAGADOS POR EL DEUDOR EN VIRTUD DEL PRESENTE CONTRATO. **Uso de su información.** Encontrará una copia de nuestra política de privacidad en nuestro sitio web que puede revisar en relación con su compra.  Dado que Splitit gestiona nuestras solicitudes e instrucciones de pago, ellos se encargarán de sus datos y nosotros transmitiremos la información entre nosotros.  Para obtener una copia de la política de privacidad de Splitit, visite su sitio web en http://splitit.localsite/legals/splitit-privacy-policy/english/. Nosotros y Splitit podemos compartir información sobre nuestras transacciones y experiencias con usted y otras empresas asociadas. Podemos compartir información sobre nuestras transacciones y experiencias con terceros en relación con la prestación de este servicio a usted, incluidos los acreedores y los servicios de detección de fraude. Sin embargo, salvo por lo que permite la ley, ni nosotros ni Splitit podemos compartir la información que se obtuvo de solicitudes de crédito, informes de crédito y terceros que trabajan en las empresas afiliadas a nosotros si usted nos indica que no desea que compartamos esta información. Si no desea que compartamos esta información, debe notificárnoslo por escrito o por correo electrónico a: support@splitit.com.  Si nos envía una notificación por correo electrónico, debe incluir su nombre, dirección, número de cuenta y los cuatro últimos dígitos del número de su tarjeta utilizada en esta transacción para que dicha solicitud pueda ser atendida.  **_No incluya los datos completos de su tarjeta en este correo electrónico._**  Podemos comunicar información sobre este Contrato a las agencias de calificación crediticia. **Comunicaciones.** Le enviaremos un correo electrónico después de que finalice su compra con los detalles de cómo puede acceder a la información sobre sus pagos en una plataforma de Splitit segura y protegida por contraseña.  Algunas de las comunicaciones entre usted y nosotros o cualquiera de nuestros filiales, agentes, cesionarios y proveedores de servicios, pueden ser monitoreadas y grabadas. Usted otorga su consentimiento para este monitoreo y grabación. Usted acepta que nosotros y nuestros proveedores de servicios podamos, de vez en cuando, realizar llamadas y/o enviarle mensajes de texto a cualquier número de teléfono asociado con su cuenta, incluidos los números de teléfono inalámbrico, lo que podría dar lugar a cargos para usted. La forma en que se le harán estas llamadas o mensajes de texto puede incluir, a título enunciativo pero no limitativo, el uso de mensajes de voz pregrabados o con voz artificial y sistemas de marcación telefónica automática. El consentimiento puede ser revocado en cualquier momento y por cualquier medio razonable. Además, acepta que nosotros o nuestros proveedores de servicios puedan enviarle correos electrónicos a cualquier dirección de correo electrónico que nos proporcione o utilizar otros medios de comunicación electrónicos en la medida en que lo permita la ley. Usted es responsable de obtener y mantener todas las telecomunicaciones, móviles, banda ancha, computadoras, hardware, software, equipo y servicios necesarios para acceder a información sobre este Contrato o su método de pago; ver, guardar y/o imprimir documentos de su cuenta en línea; recibir mensajes o documentos que haya aceptado recibir electrónicamente de conformidad con el Acuerdo de advertencias y consentimiento para para transmitir y recibir documentos por medios electrónicos, que se incorpora al presente documento por referencia; y de pagar todos los cargos relacionados. No estamos obligados a actuar con base en ninguna instrucción o mensaje suyo proporcionado por fax, SMS/texto, correo de voz telefónico, servicio de mensajes o contestador automático. Siempre que este Contrato o la ley aplicable requiera o permita que usted nos dé una notificación por escrito, no consideraremos los mensajes SMS/texto o fax como una notificación por escrito. Debe notificarnos oportunamente cualquier cambio en su dirección de correo electrónico, número de teléfono, dirección postal u otra información de contacto; para ello, utilice el Portal de Splitit o envíenos un correo electrónico a support@splitit.com. **A quién dirigirse en relación con este Contrato.** Ocasionalmente, puede ser que necesite asistencia adicional en relación con este Contrato (por ejemplo, si desea cambiar su método de pago o conocer el número de abonos pendientes, etc.).  Splitit opera una Plataforma (www.splitit.com), una dirección de correo electrónico (support@splitit.com) para brindar asistencia técnica que usted puede utilizar para resolver problemas como este asociados con la plataforma tecnológica que utilizamos. Sin embargo, aclaramos que contratamos a Splitit para que nos preste determinados servicios y que usted no tiene ningún contrato celebrado con ellos.  Ellos no pueden acordar con usted ningún tipo de acuerdo alternativo sobre los pagos que no sea el establecido anteriormente para que usted utilice una tarjeta diferente. Además, no tienen información sobre su relación con el emisor de su tarjeta y, por lo tanto, no pueden resolver cuestiones relacionadas con ese acuerdo.  Si nos debe dinero y quiere hablar al respecto, póngase en contacto con nuestro departamento de atención al cliente en nuestro sitio web. **Información específica de cada estado.** Si usted reside en alguno de los siguientes estados o demarcaciones territoriales, aplicarán las siguientes disposiciones correspondientes a su estado, las cuales sustituirán cualquier disposición contradictoria establecida en este Contrato: **_District of Columbia_:** Certificamos que la información contenida en el Contrato cumple con el Reglamento Municipal del Distrito de Columbia, Título 16, Capítulo 1, si corresponde. **_Florida_**: El impuesto de timbre documental de Florida que establece la ley ha sido pagado o será pagado directamente por nosotros al Departamento de Hacienda. **_Hawaii:_** Este contrato está cubierto por la ley de ventas a crédito de Hawaii, y usted tiene los derechos que dicha ley otorga a los compradores. También puede tener derechos en virtud de otras leyes estatales y federales. **_Maryland_:** Este Contrato se regirá por las leyes del Estado de Maryland. Este Contrato estará sujeto a las disposiciones de Crédito Cerrado del Otorgante de Crédito (Subtítulo 10) del Artículo de Derecho Comercial del Código de Maryland. **_Arizona, Delaware, Maine, Minnesota, Nebraska, Ohio, Oklahoma y Wyoming_**. No aplicará ninguna de las disposiciones del presente Contrato que prevea el pago de honorarios de abogados, costas judiciales o costos de cobranza por parte de usted. **_New Hampshire_:** Si usted gana en un procedimiento judicial relacionado con este Contrato, pagaremos los honorarios razonables de su abogado.  Si usted hace valer con éxito una defensa parcial o compensación, recuperación o contrademanda, el tribunal puede limitar los honorarios que podemos recuperar. **_New Jersey_:**(1) Los títulos de las secciones del Contrato son un índice de contenido y no son términos contractuales. (2) Usted se compromete a pagar los honorarios razonables de abogados en los que hayamos incurrido para cobrar cualquier cantidad adeudada y pagadera en virtud de este Contrato, por un monto que no excederá de 20% de los primeros 500 dólares adeudados y 10% de cualquier cantidad adeudada que supere los 500 dólares, en el momento en que este Contrato se remita a cobro a un abogado que no sea nuestro empleado asalariado. (3) Las disposiciones de este Contrato que hacen referencia a actos o prácticas que se aplican según lo permitido, o salvo lo prohibido por la ley aplicable, son aplicables a los residentes de New Jersey sólo en la medida en que dichos actos o prácticas estén permitidos por la ley de New Jersey o la ley federal. **_Ohio_**: Las leyes de Ohio contra la discriminación establecen que todos los acreedores pongan el crédito a disposición de todos los clientes solventes por igual y que las agencias de informes de crédito mantengan historiales crediticios separados de cada persona que lo solicite. La Comisión de Derechos Civiles de Ohio administra el cumplimiento de esta ley. **_Pennsylvania_:** Usted acepta que los honorarios razonables de abogados y las costas judiciales se concedan a la parte que prevalezca en cualquier acción legal relativa a este Contrato, independientemente de si la acción es instituida por nosotros o por usted. **_Virginia_**: El cargo por servicio no supera el 0% anual, calculado mensualmente. **_Wisconsin_**: Ninguna disposición de un convenio de bienes conyugales, declaración unilateral según lo dispuesto en Wis. Stat. Ann. §766.59 o decreto judicial en virtud del artículo §786.70 afectará negativamente nuestros intereses, a menos que, antes de que se otorgue el crédito, se nos proporcione una copia del convenio, declaración o decreto o tengamos conocimiento real de la disposición adversa en el momento de contraer la obligación con nosotros. **INTEGRIDAD DEL ACUERDO**. **Los acuerdos verbales o los compromisos verbales respecto a prestar dinero, otorgar crédito o no exigir el pago de una deuda pueden no tener efecto ni fuerza legal según la legislación aplicable. Para protegerle a usted (como comprador) y a nosotros (como vendedor) de malentendidos o decepciones, usted y nosotros reconocemos y aceptamos que este Contrato escrito es la expresión final del acuerdo entre usted y nosotros, y que este Contrato no se puede contradecir por acuerdos verbales anteriores, contemporáneos o posteriores entre las partes. Los términos de este Contrato no pueden modificarse, excepto por medio de un escrito firmado por usted y nosotros. Ningún cambio liberará a ninguna de las partes de su responsabilidad, a menos que se indique expresamente por escrito.** **IMPORTANTE:** **Usted reconoce que ha tenido oportunidad razonable de examinar estos Términos y condiciones de pago a plazos; y que se le ha entregado una copia legible y completa.** **AVISO AL PRESTATARIO: (1) NO APRUEBE ESTE CONTRATO ANTES DE LEERLO. (2) NO APRUEBE ESTE CONTRATO SI CONTIENE ESPACIOS EN BLANCO. (3) USTED TIENE DERECHO A RECIBIR UNA COPIA EXACTA DE CUALQUIER CONTRATO QUE FIRME. CONSÉRVELA PARA PROTEGER SUS DERECHOS LEGALES. (2) USTED TIENE DERECHO A PAGAR POR ADELANTADO EN CUALQUIER MOMENTO LOS ABONOS RESTANTES ADEUDADOS EN VIRTUD DE ESTE CONTRATO SIN PENALIZACIÓN.** **Última actualización: octubre de 2020** Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=9fi3ugimdkji)# Future-proof your BNPL strategy [Book a demo](https://www.splitit.com/merchants/industries/other/#contact-sales) 85%+ approval rate, versus an industry norm of 35%-40%. 1.2bn approved customers. Anyone with a credit card can use Splitit. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/zero-risk-consumer-financing-education-300x200.jpg)![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/card-linked-installments-for-sports-equipment-300x200.jpg)![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/spliit-pay-later-for-jewelry-business-300x200.jpg)![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/splitit-installment-payments-for-automotive-businesses-small-300x247.png) ## A more responsible way to pay We are the only installment payment solution that allows shoppers to use their existing credit card at checkout without increasing their debt. [Regulations are changing](https://www.splitit.com/blog/splitit-the-most-relevant-bnpl-with-regulations-looming/) for legacy BNPL providers, be prepared and act now. ## Frictionless payments Splitit provides the technology that empowers you to offer installment payments embedded within your existing customer journey. [Book a demo](https://www.splitit.com/merchants/industries/other/#contact-sales) Pay now$2,500Pay in 3$833.33Pay in 9$277.78$2,500Or from $416.66/moLearn more ### Own the end-to-end journey Splitit places your brand at the heart of every transaction, ensuring that you maintain complete control over the customer experience. By managing the entire journey, you can tailor the shopping experience to reflect your brand’s unique values and drive repeat business. ### Use existing credit Splitit removes the high risks of legacy BNPL by using existing credit, meaning there is no underwriting and we won’t hurt your shopper’s credit rating. Plus, shoppers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud. ### No registrations or redirects Splitit embeds into your current purchase flow, allowing any consumer with an active credit card to use the service – there’s no registration or application needed. Our seamless integration keeps the checkout smooth and straightforward, resulting in higher conversion rates and a checkout that is quick, easy, and secure for your shoppers. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/increase-average-order-value-with-pay-later.png) ## Increase transaction values With Splitit’s card-attached installments there’s no arbitrary purchase limit, customers can maximize their purchasing potential using their existing available credit, leading to higher transaction values. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/highest-approval-rates-with-splitit.png) ## Drive more conversions Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. 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Allen](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Google](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/ableton1.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # United States – Spanish **Última actualización: octubre de 2020** **TÉRMINOS Y CONDICIONES DE PAGO A PLAZOS** Somos un comercio minorista que vende bienes o servicios que usted desea comprar (“ **nosotros**”, “ **nuestro**” o “ **nos**”). Este contrato se celebra entre nosotros y el titular de la tarjeta que realiza la compra (“ **Comprador**”, “ **usted**”, “ **su**”, “ **sus**”). Usted ha indicado que desea realizar una compra con nosotros y pagar dicha compra a plazos, utilizando una tarjeta de pago que le ha sido emitida por su banco emisor. Esta transacción se realiza con tecnología proporcionada por nuestro proveedor de servicios externo Splitit USA, Inc. (“ **Splitit**”).  La compra se rige por nuestras condiciones comerciales habituales, que incluyen, entre otras, nuestra Política de devoluciones, los presentes Términos y condiciones de pago a plazos (“ **Contrato**”), [el consentimiento e información sobre firmas electrónicas](http://splitit.localsite/legals/e-sign-disclosure-agreement/) y una declaración informativa independiente sobre la Truth in Lending Act (Ley de veracidad en los préstamos) que le proporcionamos y se incorpora a este Contrato por referencia. Al elegir realizar esta compra a plazos con el apoyo de Splitit, usted acepta obligarse por estos términos, condiciones y pactos. Este Contrato es exclusivamente entre usted y nosotros y estará en vigor hasta que todos los importes adeudados en virtud de este Contrato hayan sido pagados en su totalidad o se cancelen o reintegren de alguna otra manera. Usted no celebra ningún contrato con Splitit. **Cómo funciona.** Al seleccionar la opción de pago “Splitit” en la página de pago y aceptar este Contrato, usted nos autoriza a cargar a plazos en la tarjeta elegible que usted seleccione en la caja (o que posteriormente nos proporcione) el número de pagos que seleccionó en la caja (llamamos “ **Abonos**” a estos pagos). Ni nosotros ni Splitit le imponemos ningún interés o cargo adicional por seleccionar esta opción de pago. La fecha de pago y el importe de cada Abono que recibiremos se mostrarán en el sitio web antes de que finalice su compra y se le enviarán por correo electrónico inmediatamente después de que complete su compra.  Cargaremos en su tarjeta el primer Abono (su “ **pago inicial**”) cuando su pedido esté completo (podríamos cobrarlo después si el envío es posterior pero, en todo caso, nunca cobraremos el pago inicial más de 28 días después de que haya colocado su pedido).  Cada Abono subsiguiente se cobrará mensualmente, en las fechas indicadas en la declaración informativa sobre veracidad en los préstamos, hasta que se pague la totalidad del importe adeudado en virtud de este Contrato. Si decide utilizar una tarjeta de crédito para realizar los pagos, también podemos obtener una preautorización para cargar en su tarjeta de crédito el Precio de venta total en el momento de la compra. Una preautorización significa que se bloqueará una parte de la línea de crédito disponible en su tarjeta de crédito, hasta por el importe del Precio de venta total, con el fin de garantizar que disponga de crédito suficiente para realizar los pagos futuros. Para asegurarnos de mantener una preautorización válida para cargar en su tarjeta de crédito los bienes o servicios que le hemos suministrado, renovaremos la preautorización cada 21 días utilizando los datos de la tarjeta de crédito facilitados en el momento de la compra (o una tarjeta de crédito que nos proporcione posteriormente) presentando una solicitud de preautorización por el importe que usted adeude en el momento de solicitar cada preautorización. Esto significa que el importe de cada preautorización se reducirá según el monto de los abonos pagados a través del tiempo. Le avisaremos 7 días antes de que tengamos intención de renovar la preautorización. Es probable que el emisor de su tarjeta de crédito deduzca de su crédito disponible el importe del cargo preautorizado en su tarjeta de crédito, de modo que no podrá utilizar esa cantidad de su línea de crédito mientras nuestra preautorización siga vigente.  Incluso si el emisor de su tarjeta de crédito no lo hace, debe asegurarse de tener crédito disponible suficiente para cubrir la totalidad del importe que nos adeude en virtud de este Contrato por su compra (sin incluir las cantidades que ya nos haya pagado) en todo momento. Si no logramos obtener la preautorización del cargo que pretendemos hacer en su tarjeta de crédito, nos pondremos en contacto con usted por correo electrónico para informarle.  También seguiremos intentando obtener la aprobación de la preautorización presentando una solicitud una vez al día durante los 7 días siguientes.  Puede proporcionarnos otra tarjeta de crédito válida y aceptable para utilizarla para solicitar las preautorizaciones y los pagos.  En lo sucesivo solicitaremos las preautorizaciones de pago y las posteriores solicitudes de liquidación contra esta tarjeta de crédito alternativa.  **Si no podemos renovar la preautorización por las cantidades que usted adeuda según este Contrato antes de la siguiente fecha de vencimiento del Abono, y usted no realiza un pago del Abono antes de la fecha de vencimiento (sujeto al período de gracia que corresponda), podemos presentar una solicitud de pago contra la última preautorización que obtuvimos en su tarjeta de crédito por el precio total de la compra menos el importe de los abonos que usted ya haya pagado.** Si proporciona una tarjeta de débito para realizar los pagos de los Abonos en virtud de este Contrato, podremos solicitar una preautorización de retención temporal de fondos en su tarjeta de débito por un monto equivalente al Precio de venta total en el momento de la compra, pero sólo cargaremos en su tarjeta de débito el primer pago en ese momento. El importe restante de la retención de fondos de la preautorización (el Precio de venta total menos su primer pago), si procede, se eliminará de su tarjeta de débito en aproximadamente 5-7 días después de la fecha de su compra, pero los plazos de procesamiento pueden variar dependiendo de su banco. No renovaremos la preautorización de retención de fondos en su tarjeta de débito.  Seguiremos cargando en su tarjeta de débito el importe de cada abono subsiguiente de forma mensual, en cada fecha de vencimiento del abono, hasta que quede cubierta la totalidad del importe adeudado en virtud de este Contrato. En caso de que no haya fondos suficientes en la tarjeta de débito, se lo notificaremos. **Si algún intento de pago es infructuoso o nos es devuelto sin pagar, podemos volver a hacer el intento de pago hasta dos veces más, a menos que lo prohíba la ley.** Cuando usted utilice nuestros servicios, es posible que tenga que pagar otros impuestos o costos que no imponemos nosotros (como los cargos por uso de internet, las comisiones establecidas por el banco emisor de su tarjeta de crédito o débito, o los derechos aduaneros de su país).  **EN PARTICULAR, TENGA EN CUENTA QUE COMO LOS PAGOS SE CARGAN A SU TARJETA, ES POSIBLE QUE SE LE COBREN INTERESES, COMISIONES U OTROS CARGOS ESTABLECIDOS POR EL EMISOR DE SU TARJETA EN VIRTUD DEL CONTRATO CELEBRADO CON USTED. ESTO PUEDE INCLUIR RECARGOS POR RETRASO EN EL PAGO, COMISIONES POR SOBREGIRO, INTERESES PERIÓDICOS O COMISIONES POR SOBREPASAR EL LÍMITE. USTED ES EL ÚNICO RESPONSABLE DE PAGAR ESTOS CARGOS.** **Derecho a suspender los pagos; cambio de método de pago:** Usted tiene derecho a suspender los pagos en su tarjeta de crédito o débito seleccionada; para ello, escribirnos por correo electrónico a support@splitit.com, o proporcionarnos una nueva tarjeta elegible en la plataforma de Splitit. Deberá comunicárnoslo con tiempo suficiente para que recibamos su solicitud al menos 3 días hábiles antes de la fecha de vencimiento de su siguiente abono. Si llama, podemos exigirle que confirme su solicitud por escrito dentro de los 14 días siguientes a su llamada. Si su tarjeta de crédito o débito se sustituye, se cancela, deja de ser válida o si usted desea utilizar una tarjeta diferente, debe iniciar sesión en la plataforma de Splitit y proporcionar una tarjeta elegible al menos 3 días hábiles antes de la fecha de vencimiento de su próximo Abono. Es posible que no podamos procesar su solicitud si no la recibimos a tiempo. Cuando proporcione una nueva tarjeta de débito o crédito, podremos solicitar una o varias preautorizaciones de cargos en su tarjeta equivalentes al Precio de venta total menos el importe de los Abonos que ya se hayan contabilizado en su cuenta, como se describió anteriormente. Si no tiene suficiente crédito disponible o fondos disponibles en la nueva tarjeta para procesar la preautorización, es posible que no aceptemos la tarjeta. Es su responsabilidad asegurarse de que, hasta que se pague el último abono, la tarjeta de crédito o débito que presente para el pago en el momento de la compra, o en cualquier momento posterior, siga siendo válida, no esté cancelada y tenga suficiente saldo o crédito disponible para pagar todos los Abonos y para que se aprueben todas las preautorizaciones que se realicen en virtud de este Contrato. **AUTORIZACIÓN DE PAGOS: AL ACEPTAR ESTE CONTRATO, USTED NOS AUTORIZA A NOSOTROS O A NUESTRO PROVEEDOR DE SERVICIOS A (1) SOLICITAR PREAUTORIZACIONES EN SU TARJETA SELECCIONADA HASTA POR UN MONTO EQUIVALENTE AL PRECIO TOTAL DE VENTA, TAL COMO SE DESCRIBIÓ ANTERIORMENTE; (2) CARGAR EN SU TARJETA SELECCIONADA EL IMPORTE DE SU PAGO INICIAL EN LA FECHA DE ESTE CONTRATO O DESPUÉS DE ELLA; (3) CARGAR EN SU TARJETA SELECCIONADA EL IMPORTE DE CADA ABONO EN CADA FECHA DE VENCIMIENTO QUE CORRESPONDA, TAL COMO SE DESCRIBE EN LA INFORMACIÓN SOBRE VERACIDAD EN LOS PRÉSTAMOS; (4) CARGAR EN SU TARJETA SELECCIONADA EL PRECIO TOTAL DE LA VENTA MENOS LOS ABONOS QUE YA HAYA PAGADO (A) EN CASO DE INCUMPLIMIENTO (SUJETO A LOS DERECHOS DE NOTIFICACIÓN Y SUBSANACIÓN QUE LE OTORGUE LA LEY) O (B) SI CANCELA ESTE CONTRATO DESPUÉS DEL PLAZO PERMITIDO POR ESTE; Y (5) CARGAR EN SU TARJETA SELECCIONADA LO QUE SEA NECESARIO PARA CORREGIR ERRORES, SI LOS HUBIERE.  ESTA AUTORIZACIÓN DE PAGO SEGUIRÁ EN PLENA VIGENCIA HASTA QUE SE PAGUEN TODOS LOS ABONOS EN SU TOTALIDAD O HASTA QUE RECIBAMOS LA NOTIFICACIÓN DE QUE USTED HA REVOCADO ESTA AUTORIZACIÓN.** **Manejo de los pagos con tarjeta.** Utilizamos una plataforma tecnológica de terceros proporcionada por Splitit para llevar el control de los pagos que usted nos adeuda en virtud de este Contrato y utilizamos esta plataforma para presentar las solicitudes de preautorización y de pago con tarjeta en los momentos que hemos acordado.  Utilizamos esta plataforma tecnológica para dar seguimiento a las fechas y montos que tiene que pagar y para enviarle las notificaciones correspondientes.  Verá que algunas de estas cartas dicen “con tecnología de Splitit”.  Esto le ayudará a identificar los pagos por los que nos hemos comunicado con usted. **Devoluciones.** Puede devolvernos los productos según lo establecido en nuestra Política de Devoluciones.  Es posible que no podamos aceptar la devolución de los productos si se fabricaron a medida según sus especificaciones. **Cancelación.** Tiene derecho a cancelar este Contrato y recibir el reembolso de la cantidad que haya pagado en virtud del mismo hasta lo que ocurra al último de los siguientes acontecimientos: (1) en cualquier momento antes de que se le entreguen los bienes o se presten los servicios que adquirió en virtud de este Contrato, o (2) durante los tres días siguientes a la aceptación de este Contrato. Para solicitar una cancelación, póngase en contacto con nosotros por correo electrónico en [support@splitit.com](mailto:merchant.support@splitit.com).  Si ya le entregamos o enviamos los productos, es posible que le pidamos que nos devuelva rápidamente los productos en las mismas condiciones en que los recibió para poder tramitar su cancelación. Es posible que no pueda cancelar este Contrato si los productos se fabricaron a medida según sus especificaciones. Puede ser que tenga que proporcionar información adicional en relación con la notificación de rescisión o cancelación para que podamos identificar correctamente el Contrato que se va a cancelar.  En todo caso, puede cancelar este Contrato en cualquier momento si nos informa por correo electrónico, pero no podrá recibir un reembolso y se le podrá exigir que pague la totalidad del importe que nos adeuda en virtud de este Contrato. **Incumplimiento.** Sujeto a la legislación aplicable, que puede requerir que le notifiquemos y/o le demos el derecho a subsanar el incumplimiento, podemos declararlo en incumplimiento en lo que se refiere a este Contrato por cualquiera de las siguientes razones: (1) si usted no paga algún Abono en la fecha de vencimiento, y después del período de gracia que corresponda; (2) si usted incumple alguno de los compromisos adquiridos en virtud de este Contrato que perjudique significativamente su capacidad de pago o nuestra posibilidad de cobrar las cantidades adeudadas según lo previsto en este Contrato; (3) si usted solicita la protección del Código de Bancarrota de los Estados Unidos, o queda sujeto a un procedimiento por el que intente obtener la suspensión de pagos de la deuda; (4) si usted ha hecho una declaración falsa o engañosa sobre un asunto importante en relación con este Contrato; (5) si usted revoca su consentimiento para recibir comunicaciones electrónicas; o (6) usted muere o se vuelve legalmente incompetente. **Consecuencias del incumplimiento.** Si incumple este Contrato, podemos exigirle que pague de una vez el importe restante que nos debe en virtud de este Contrato, sin perjuicio de los derechos que tenga a que se le notifique el incumplimiento y a subsanar dicho incumplimiento.  Podemos requerir el pago de esta cantidad mediante un cargo en su tarjeta de crédito o débito de acuerdo con las preautorizaciones que se hayan obtenido en virtud de este Contrato. Si remitimos el presente Contrato a un abogado que no sea empleado asalariado nuestro para su cobro, podremos exigirle que pague los honorarios y gastos razonables de nuestros abogados, en la medida en que lo permita la legislación aplicable. **Cesión.** Por este medio se le notifica que, en relación con los servicios prestados por Splitit, podemos transferir, vender o ceder los Abonos y los derechos asociados, si los hubiere, a Splitit o a una de sus filiales sin consentimiento previo de usted. Si lo hacemos, este Contrato seguirá en vigor y será vinculante y redundará en beneficio de nuestros cesionarios.  Usted no puede transferir los derechos que le otorga este Contrato y todo intento de hacerlo será nulo y sin efecto. **Derecho aplicable; Divisibilidad.** El presente Contrato (y nuestros tratos anteriores a la celebración de este contrato) se regirá por las leyes federales y, en la medida en que no sea aplicable, por las leyes del estado en el que haya adquirido los bienes y servicios. Si se determina que alguna disposición de este Contrato o parte del mismo es inaplicable, dicha determinación no afectará el resto de este Contrato. **Limitación de la responsabilidad.** Usted acepta que nosotros, Splitit y nuestros respectivos proveedores de servicios, agentes, funcionarios, directores y empleados (y los de nuestras subsidiarias y filiales así como nuestras mismas subsidiarias y filiales) (colectivamente, las “ **Partes exoneradas**”) no seremos responsables de nada que hagamos al seguir sus instrucciones. Además, las Partes exoneradas no serán responsables si alguna de ellas no sigue sus instrucciones si creemos dentro de lo razonable que sus instrucciones nos expondrían a posibles pérdidas o responsabilidad civil o penal, o que entrarían en conflicto con las prácticas bancarias habituales. LAS PARTES EXONERADAS NO SERÁN RESPONSABLES POR DAÑOS INDIRECTOS, ESPECIALES O CONSECUENTES, INDEPENDIENTEMENTE DE LA FORMA DE ACCIÓN E INCLUSO SI HUBIÉRAMOS SIDO ADVERTIDOS DE LA POSIBILIDAD DE TALES DAÑOS. SI NO SUSPENDEMOS EL PAGO DE UN ARTÍCULO, O PAGAMOS UN ARTÍCULO CON UNA FIRMA NO AUTORIZADA, UNA FIRMA FALSIFICADA O UN ENDOSO O ALTERACIÓN FALSOS, NUESTRA RESPONSABILIDAD, SI LA HUBIERA, SE LIMITARÁ AL IMPORTE NOMINAL DEL ARTÍCULO. La anterior limitación de responsabilidad no se aplicará cuando esté expresamente prohibida por las leyes que rigen su Cuenta. Esta sección de _Limitación de responsabilidad_ seguirá vigente a la terminación de este Contrato. **Acuerdo de arbitraje.** Siempre estamos interesados en resolver disputas, reclamaciones o controversias (“ **Reclamación**”) de forma amistosa y eficiente y la mayoría de las preocupaciones de los clientes pueden resolverse rápidamente y a satisfacción del cliente con sólo ponerse en contacto con nosotros por correo electrónico en [support@splitit.com](mailto:merchant.support@splitit.com) o por correo postal en Splitit USA, Inc., 16 East 34th Street, New York, NY 10036. Si tales esfuerzos resultan infructuosos, usted y nosotros nos comprometemos a que todas las disputas se resolverán mediante arbitraje vinculante caso por caso. La parte que desee recurrir al arbitraje deberá enviar primero a la otra, por correo certificado, una Notificación de Disputa (“ **Notificación**”) por escrito.  La Notificación debe (a) describir la naturaleza y el fundamento de la Reclamación y (b) exponer la reparación específica que se solicita. Si no resuelve la Reclamación con nosotros o con la Parte exonerada dentro de los 60 días naturales siguientes a la fecha de recibo de la Notificación, usted, nosotros o la Parte exonerada, según corresponda, podremos iniciar el procedimiento de arbitraje, según se establece en esta sección. El arbitraje será conducido por un árbitro neutral de acuerdo con las normas y procedimientos de la AAA, incluidas las Normas de Arbitraje de Consumo de la AAA (colectivamente, las “ **Normas de la AAA**”), modificadas por este Acuerdo de Arbitraje. El árbitro también debe seguir las disposiciones de este Contrato como lo haría un tribunal. SI ALGUNA DE LAS PARTES INICIA UN PROCESO DE ARBITRAJE CON RESPECTO A UNA RECLAMACIÓN, NI USTED NI NOSOTROS NI LA PARTE EXONERADA TENDREMOS DERECHO A LITIGAR DICHA RECLAMACIÓN EN UN TRIBUNAL NI A TENER UN JUICIO POR JURADO SOBRE ESA RECLAMACIÓN, NI A PARTICIPAR EN LA PRESENTACIÓN DE PRUEBAS ANTES DEL ARBITRAJE, EXCEPTO POR LO ESTABLECIDO EN LAS NORMAS DE ARBITRAJE APLICABLES DE LA AAA. ADEMÁS, USTED NO TENDRÁ DERECHO A PARTICIPAR COMO REPRESENTANTE O MIEMBRO DE NINGUNA DEMANDA COLECTIVA EN RELACIÓN CON ESA RECLAMACIÓN, Y SÓLO TENDRÁ LOS DERECHOS QUE LE OTORGA UN ARBITRAJE INDIVIDUAL. LA DECISIÓN DEL ARBITRO SERÁ DEFINITIVA Y VINCULANTE PARA TODAS LAS PARTES, SALVO POR LO DISPUESTO EN LA LEY FEDERAL DE ARBITRAJE (la “ **FAA**”). Sin perjuicio de lo anterior, usted y nosotros nos reservamos el derecho de presentar ante un tribunal de asuntos de menor cuantía (o en un tribunal estatal equivalente) toda disputa que esté dentro de la competencia de dicho tribunal, siempre y cuando las disputas permanezcan en dicho tribunal y presenten sólo una demanda individual de reparación. Si usted o nosotros no nos sometemos a un arbitraje vinculante de una disputa arbitrable tras una demanda legal, la parte que no lo haga asumirá todos los costos y gastos en los que la otra haya incurrido para obligar al arbitraje. ESTE ACUERDO DE ARBITRAJE NO ES APLICABLE A USTED SI, EN LA FECHA DE ESTE CONTRATO, USTED ES UN PRESTATARIO CUBIERTO POR LA LEY FEDERAL DE PRÉSTAMOS MILITARES. SI DESEA OBTENER MÁS INFORMACIÓN PARA SABER SI ESTÁ CUBIERTO POR LA LEY DE PRÉSTAMOS MILITARES, EN CUYO CASO ESTA DISPOSICIÓN DE ARBITRAJE NO APLICA A USTED, PÓNGASE EN CONTACTO CON NOSOTROS EN EL [support@splitit.com.](mailto:merchant.support@splitit.com) **Prohibición de demandas colectivas y representativas y de reparación no individualizada.** USTED ACEPTA QUE PUEDE PRESENTAR DEMANDAS CONTRA NOSOTROS O CONTRA UNA PARTE EXONERADA SÓLO DE FORMA INDIVIDUAL Y NO COMO DEMANDANTE O MIEMBRO DE DEMANDA EN CUALQUIER ACCIÓN O PROCEDIMIENTO PRESUNTAMENTE COLECTIVO O REPRESENTATIVO. A MENOS QUE USTED Y LA PARTE EXONERADA ACUERDEN LO CONTRARIO, EL ÁRBITRO NO PODRÁ CONSOLIDAR NI UNIR LAS RECLAMACIONES DE MÁS DE UNA PERSONA O PARTE Y NO PODRÁ PRESIDIR NINGUNA FORMA DE PROCEDIMIENTO CONSOLIDADO, REPRESENTATIVO O COLECTIVO. ASIMISMO, EL ÁRBITRO PODRÁ EMITIR UN LAUDO DE REPARACIÓN (INCLUIDA UNA REPARACIÓN MONETARIA, CAUTELAR Y DECLARATIVA) SÓLO A FAVOR DE LA PARTE INDIVIDUAL QUE SOLICITE LA REPARACIÓN Y SÓLO EN LA MEDIDA NECESARIA PARA PROPORCIONAR LA REPARACIÓN REQUERIDA POR LA O LAS RECLAMACIONES INDIVIDUALES DE DICHA PARTE, SALVO QUE USTED PUEDE PRESENTAR UNA RECLAMACIÓN Y EL ÁRBITRO PUEDE OTORGAR UNA REPARACIÓN CAUTELAR PÚBLICA EN VIRTUD DE LA LEGISLACIÓN APLICABLE EN LA MEDIDA NECESARIA PARA LA APLICABILIDAD DE ESTA DISPOSICIÓN. **AVISO DE LA LEY DE PRÉSTAMOS MILITARES:** La ley federal ofrece importantes protecciones a los miembros de las Fuerzas Armadas y a sus dependientes en relación con la concesión de créditos al consumo. En general, el costo del crédito al consumo para un miembro de las Fuerzas Armadas y sus dependientes no puede superar una tasa porcentual anual de 36 por ciento.  Esta tasa debe incluir, según corresponda a la operación o cuenta de crédito: los costos asociados con las primas de seguro de crédito; las comisiones por productos auxiliares vendidos en relación con la operación de crédito; toda comisión aplicable que se cobre (excepto determinadas comisiones de solicitud por operaciones o cuentas de crédito específicas); y toda comisión de participación que se cobre (excepto determinadas comisiones de participación por una cuenta de tarjeta de crédito). **AVISO:** EL TITULAR DE ESTE CONTRATO DE CRÉDITO AL CONSUMO ESTÁ SUJETO A TODAS LAS RECLAMACIONES Y DEFENSAS QUE EL DEUDOR PUEDA HACER VALER CONTRA EL VENDEDOR DE LOS BIENES O SERVICIOS OBTENIDOS EN VIRTUD DEL PRESENTE CONTRATO O CON LOS BENEFICIOS DEL MISMO. LA RECUPERACIÓN POR PARTE DEL DEUDOR NO SUPERARÁ LOS IMPORTES PAGADOS POR EL DEUDOR EN VIRTUD DEL PRESENTE CONTRATO. **Uso de su información.** Encontrará una copia de nuestra política de privacidad en nuestro sitio web que puede revisar en relación con su compra.  Dado que Splitit gestiona nuestras solicitudes e instrucciones de pago, ellos se encargarán de sus datos y nosotros transmitiremos la información entre nosotros.  Para obtener una copia de la política de privacidad de Splitit, visite su sitio web en http://splitit.localsite/legals/splitit-privacy-policy/english/. Nosotros y Splitit podemos compartir información sobre nuestras transacciones y experiencias con usted y otras empresas asociadas. Podemos compartir información sobre nuestras transacciones y experiencias con terceros en relación con la prestación de este servicio a usted, incluidos los acreedores y los servicios de detección de fraude. Sin embargo, salvo por lo que permite la ley, ni nosotros ni Splitit podemos compartir la información que se obtuvo de solicitudes de crédito, informes de crédito y terceros que trabajan en las empresas afiliadas a nosotros si usted nos indica que no desea que compartamos esta información. Si no desea que compartamos esta información, debe notificárnoslo por escrito o por correo electrónico a: support@splitit.com.  Si nos envía una notificación por correo electrónico, debe incluir su nombre, dirección, número de cuenta y los cuatro últimos dígitos del número de su tarjeta utilizada en esta transacción para que dicha solicitud pueda ser atendida.  **_No incluya los datos completos de su tarjeta en este correo electrónico._**  Podemos comunicar información sobre este Contrato a las agencias de calificación crediticia. **Comunicaciones.** Le enviaremos un correo electrónico después de que finalice su compra con los detalles de cómo puede acceder a la información sobre sus pagos en una plataforma de Splitit segura y protegida por contraseña.  Algunas de las comunicaciones entre usted y nosotros o cualquiera de nuestros filiales, agentes, cesionarios y proveedores de servicios, pueden ser monitoreadas y grabadas. Usted otorga su consentimiento para este monitoreo y grabación. Usted acepta que nosotros y nuestros proveedores de servicios podamos, de vez en cuando, realizar llamadas y/o enviarle mensajes de texto a cualquier número de teléfono asociado con su cuenta, incluidos los números de teléfono inalámbrico, lo que podría dar lugar a cargos para usted. La forma en que se le harán estas llamadas o mensajes de texto puede incluir, a título enunciativo pero no limitativo, el uso de mensajes de voz pregrabados o con voz artificial y sistemas de marcación telefónica automática. El consentimiento puede ser revocado en cualquier momento y por cualquier medio razonable. Además, acepta que nosotros o nuestros proveedores de servicios puedan enviarle correos electrónicos a cualquier dirección de correo electrónico que nos proporcione o utilizar otros medios de comunicación electrónicos en la medida en que lo permita la ley. Usted es responsable de obtener y mantener todas las telecomunicaciones, móviles, banda ancha, computadoras, hardware, software, equipo y servicios necesarios para acceder a información sobre este Contrato o su método de pago; ver, guardar y/o imprimir documentos de su cuenta en línea; recibir mensajes o documentos que haya aceptado recibir electrónicamente de conformidad con el Acuerdo de advertencias y consentimiento para para transmitir y recibir documentos por medios electrónicos, que se incorpora al presente documento por referencia; y de pagar todos los cargos relacionados. No estamos obligados a actuar con base en ninguna instrucción o mensaje suyo proporcionado por fax, SMS/texto, correo de voz telefónico, servicio de mensajes o contestador automático. Siempre que este Contrato o la ley aplicable requiera o permita que usted nos dé una notificación por escrito, no consideraremos los mensajes SMS/texto o fax como una notificación por escrito. Debe notificarnos oportunamente cualquier cambio en su dirección de correo electrónico, número de teléfono, dirección postal u otra información de contacto; para ello, utilice el Portal de Splitit o envíenos un correo electrónico a support@splitit.com. **A quién dirigirse en relación con este Contrato.** Ocasionalmente, puede ser que necesite asistencia adicional en relación con este Contrato (por ejemplo, si desea cambiar su método de pago o conocer el número de abonos pendientes, etc.).  Splitit opera una Plataforma (www.splitit.com), una dirección de correo electrónico (support@splitit.com) para brindar asistencia técnica que usted puede utilizar para resolver problemas como este asociados con la plataforma tecnológica que utilizamos. Sin embargo, aclaramos que contratamos a Splitit para que nos preste determinados servicios y que usted no tiene ningún contrato celebrado con ellos.  Ellos no pueden acordar con usted ningún tipo de acuerdo alternativo sobre los pagos que no sea el establecido anteriormente para que usted utilice una tarjeta diferente. Además, no tienen información sobre su relación con el emisor de su tarjeta y, por lo tanto, no pueden resolver cuestiones relacionadas con ese acuerdo.  Si nos debe dinero y quiere hablar al respecto, póngase en contacto con nuestro departamento de atención al cliente en nuestro sitio web. **Información específica de cada estado.** Si usted reside en alguno de los siguientes estados o demarcaciones territoriales, aplicarán las siguientes disposiciones correspondientes a su estado, las cuales sustituirán cualquier disposición contradictoria establecida en este Contrato: **_District of Columbia_:** Certificamos que la información contenida en el Contrato cumple con el Reglamento Municipal del Distrito de Columbia, Título 16, Capítulo 1, si corresponde. **_Florida_**: El impuesto de timbre documental de Florida que establece la ley ha sido pagado o será pagado directamente por nosotros al Departamento de Hacienda. **_Hawaii:_** Este contrato está cubierto por la ley de ventas a crédito de Hawaii, y usted tiene los derechos que dicha ley otorga a los compradores. También puede tener derechos en virtud de otras leyes estatales y federales. **_Maryland_:** Este Contrato se regirá por las leyes del Estado de Maryland. Este Contrato estará sujeto a las disposiciones de Crédito Cerrado del Otorgante de Crédito (Subtítulo 10) del Artículo de Derecho Comercial del Código de Maryland. **_Arizona, Delaware, Maine, Minnesota, Nebraska, Ohio, Oklahoma y Wyoming_**. No aplicará ninguna de las disposiciones del presente Contrato que prevea el pago de honorarios de abogados, costas judiciales o costos de cobranza por parte de usted. **_New Hampshire_:** Si usted gana en un procedimiento judicial relacionado con este Contrato, pagaremos los honorarios razonables de su abogado.  Si usted hace valer con éxito una defensa parcial o compensación, recuperación o contrademanda, el tribunal puede limitar los honorarios que podemos recuperar. **_New Jersey_:**(1) Los títulos de las secciones del Contrato son un índice de contenido y no son términos contractuales. (2) Usted se compromete a pagar los honorarios razonables de abogados en los que hayamos incurrido para cobrar cualquier cantidad adeudada y pagadera en virtud de este Contrato, por un monto que no excederá de 20% de los primeros 500 dólares adeudados y 10% de cualquier cantidad adeudada que supere los 500 dólares, en el momento en que este Contrato se remita a cobro a un abogado que no sea nuestro empleado asalariado. (3) Las disposiciones de este Contrato que hacen referencia a actos o prácticas que se aplican según lo permitido, o salvo lo prohibido por la ley aplicable, son aplicables a los residentes de New Jersey sólo en la medida en que dichos actos o prácticas estén permitidos por la ley de New Jersey o la ley federal. **_Ohio_**: Las leyes de Ohio contra la discriminación establecen que todos los acreedores pongan el crédito a disposición de todos los clientes solventes por igual y que las agencias de informes de crédito mantengan historiales crediticios separados de cada persona que lo solicite. La Comisión de Derechos Civiles de Ohio administra el cumplimiento de esta ley. **_Pennsylvania_:** Usted acepta que los honorarios razonables de abogados y las costas judiciales se concedan a la parte que prevalezca en cualquier acción legal relativa a este Contrato, independientemente de si la acción es instituida por nosotros o por usted. **_Virginia_**: El cargo por servicio no supera el 0% anual, calculado mensualmente. **_Wisconsin_**: Ninguna disposición de un convenio de bienes conyugales, declaración unilateral según lo dispuesto en Wis. Stat. Ann. §766.59 o decreto judicial en virtud del artículo §786.70 afectará negativamente nuestros intereses, a menos que, antes de que se otorgue el crédito, se nos proporcione una copia del convenio, declaración o decreto o tengamos conocimiento real de la disposición adversa en el momento de contraer la obligación con nosotros. **INTEGRIDAD DEL ACUERDO**. **Los acuerdos verbales o los compromisos verbales respecto a prestar dinero, otorgar crédito o no exigir el pago de una deuda pueden no tener efecto ni fuerza legal según la legislación aplicable. Para protegerle a usted (como comprador) y a nosotros (como vendedor) de malentendidos o decepciones, usted y nosotros reconocemos y aceptamos que este Contrato escrito es la expresión final del acuerdo entre usted y nosotros, y que este Contrato no se puede contradecir por acuerdos verbales anteriores, contemporáneos o posteriores entre las partes. Los términos de este Contrato no pueden modificarse, excepto por medio de un escrito firmado por usted y nosotros. Ningún cambio liberará a ninguna de las partes de su responsabilidad, a menos que se indique expresamente por escrito.** **IMPORTANTE:** **Usted reconoce que ha tenido oportunidad razonable de examinar estos Términos y condiciones de pago a plazos; y que se le ha entregado una copia legible y completa.** **AVISO AL PRESTATARIO: (1) NO APRUEBE ESTE CONTRATO ANTES DE LEERLO. (2) NO APRUEBE ESTE CONTRATO SI CONTIENE ESPACIOS EN BLANCO. (3) USTED TIENE DERECHO A RECIBIR UNA COPIA EXACTA DE CUALQUIER CONTRATO QUE FIRME. CONSÉRVELA PARA PROTEGER SUS DERECHOS LEGALES. (2) USTED TIENE DERECHO A PAGAR POR ADELANTADO EN CUALQUIER MOMENTO LOS ABONOS RESTANTES ADEUDADOS EN VIRTUD DE ESTE CONTRATO SIN PENALIZACIÓN.** Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=rf8t2vqt8p9i)# DATA SUBJECT REQUEST FORM (“DSR”) Last Updated: January 2021 Splitit Ltd., and its relevant affiliated companies involved in the processing of personal data (and personal information as defined under CCPA) (“ Company ”) values the privacy rights of its users, customers, consumers, users, and others. As required by the EU General Data Protection Regulation (“ GDPR ”) and by the California Consumer Privacy Act of 2018 (" CCPA ") (collectively “Data Protection Law ”). European Union residents and California residents, respectively, are permitted to make certain requests regarding our processing of personal data. In order to submit a data subject request pursuant to the Data Protection Law, please complete this form. Upon receipt of your completed request, we will process it and respond within the timelines required under applicable Data Protection Law. If additional information is necessary, we will contact you using the contact information you provided in this form. Information provided in connection with this request will be processed only for the purpose of processing and responding to your request and will be deleted immediately thereafter. For more information please review our Privacy Policy and User Rights Policy . For the purpose of this form Personal Data shall include Personal Information. Any DSRs submitted to us shall be processed by us in our capacity as a “Data Controller”. Please note that if you are an individual user of the Splitit solution (i.e. a Consumer as defined in the Privacy Policy ) the “Data Controller” is the Merchant you purchased the product from. If we receive a DSR by a Consumer, we will notify the Merchant and will refer the Consumer to the relevant Merchant. We will act in accordance with the Merchant’s instructions in relation to Consumer requests. Full Name: \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ Address (including ZIP): \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ Email Address: \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ Phone Number: \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ # Please check the applicable box: ▢I would like to receive information of why and how you are processing my information. ▢I would like to receive a copy of the personal data you process on me.\* ▢I would like you to delete the personal data you hold on me. ▢I would like you to stop processing my personal data. ▢I would like to receive a copy of my data and transfer it to a third party.\* ▢I would like you to stop sending me direct marketing. ▢I want to withdraw my consent for processing my personal data (applicable under the GDPR). ▢I would like to object to the processing of my personal data (applicable under the GDPR). ▢I believe the data you hold on me is incorrect and I would like to correct it (applicable under the GDPR). ▢Other. Substantiate the request- please provide additional information about your request: # What is your relationship with us (e.g. Consumer (user of the Splitit solution), Splitit website visitor, business contact, etc.): # Verification of Identity In order to keep the privacy of individuals safe we need to make sure you are indeed who you say you are, for this reason we need to verify your identity. Please provide us with a photo ID document (e.g., driver license, passport). For users exercising their rights under the CCPA: Please provide proof of address so we can confirm you are a California resident (upload one of the following: utility bill, bank statement, driving license, or tax document) Thank you for filling in the form, we will process the request by the time specified in the Data Protection Law, we reserve the right to extend the aforementioned period by the time specified in the Data Protection Law if the request is complex or numerous or we require additional information. The processing of the request is free of charge; however, we may want to reserve the right to charge a reasonable fee to cover certain administrative costs (such as providing additional copies of the data) or for handling manifestly unfounded or excessive requests \*Under the CCPA your rights only apply to the Personal Information (as defined therein) collected 12 months prior to the request and you are not entitled to submit more than 2 requests in a 12 months period. By submitting this question or request, I am confirming that: (i) the information I have provided is true and accurate; (2) I understand the information will be handled by the Company in accordance with its privacy policy; and (3) the Company may contact me to verify my identity and to process this request. \*\*\*Note: To submit please print and email this form and supporting documentation to: [privacy@splitit.com](mailto:privacy@splitit.com) .\\*\\*\\*# Delivering performance, not friction. We offer embedded card-linked installments that transforms commerce, empowering merchants, consumers, and banks to thrive within the payments ecosystem. ![](https://www.splitit.com/wp-content/uploads/2024/10/pay-later-monthly-installments-on-your-credit-card-1024x819.png) ## We exist to challenge the status quo of traditional BNPL. Traditional pay-later models often burden consumers with unnecessary debt, high fees and checkout complexity. At Splitit, we believe payments should be simple, seamless, and free of friction. By using existing credit, we empower consumers to pay at their own pace without creating new debt, while helping merchants drive higher conversions and customer loyalty. Splitit's White-label, Embedded Installments - YouTube Splitit 489 subscribers [Splitit's White-label, Embedded Installments](https://www.youtube.com/watch?list=TLGGNBxprsCNvT4yODAxMjAyNQ&v=2Pgd-ltrzGY) Splitit Search 1/1 Info Shopping Tap to unmute If playback doesn't begin shortly, try restarting your device. Up NextCancelAutoplay is paused You're signed out Videos you watch may be added to the TV's watch history and influence TV recommendations. To avoid this, cancel and sign in to YouTube on your computer. CancelConfirm Share Include playlist An error occurred while retrieving sharing information. Please try again later. Watch later Share Copy link Watch on 0:00 [Previous (SHIFT+p)](https://www.youtube.com/watch?list=TLGGNBxprsCNvT4yODAxMjAyNQ&v=2Pgd-ltrzGY "Previous (SHIFT+p)")[Next (SHIFT+n)](https://www.youtube.com/watch?list=TLGGNBxprsCNvT4yODAxMjAyNQ&v=2Pgd-ltrzGY "Next (SHIFT+n)") / •Watch full videoLive • [Watch on YouTube](https://www.youtube.com/watch?list=TLGGNBxprsCNvT4yODAxMjAyNQ&v=2Pgd-ltrzGY "Watch on YouTube") ![](https://www.splitit.com/wp-content/uploads/2024/11/splitit-credit-card-linked-installments-1024x683.jpeg) ## Our vision To transform commerce across the globe by making responsible buying a norm, not an exception. ## Our mission To empower consumers to buy responsibly with flexible, interest-free\* payment solutions, helping them manage finances without creating new debt. ## Our values ### Integrity We uphold the highest standards of honesty and ethical conduct in all our actions. Our commitment to integrity ensures trust and transparency in every interaction, fostering strong relationships with our clients, partners, and community. ### Critical thinking We approach every situation with a curious and analytical mindset. By questioning assumptions and evaluating all possible outcomes, we make informed decisions that lead to innovative solutions and sustained success. ### Adaptability We thrive in a dynamic environment by remaining flexible and responsive to change. Our adaptability allows us to seize new opportunities and navigate challenges with agility, ensuring our long-term growth and resilience. ### Persistence We believe in the power of perseverance. Through dedication and relentless effort, we overcome challenges and achieve our goals. Our persistence drives us to continually improve and deliver exceptional results. ### Risk Taking/Rule Breaking We embrace bold ideas and unconventional approaches. By challenging the status quo and taking calculated risks, we drive progress and stay ahead in a constantly evolving market. Our willingness to break the rules fuels our creativity and innovation. ## Meet the team [![Nandan Sheth](https://www.splitit.com/wp-content/uploads/2024/11/Nandan-Sheth-1024x1024.png)](https://www.linkedin.com/in/nandan-sheth-a13652/)[**Nandan Sheth**](https://www.linkedin.com/in/nandan-sheth-a13652/) Chief Executive Officer Fiserv, First Data, American Express, Acculynk [![Ran Landau](https://www.splitit.com/wp-content/uploads/2024/11/ran-landau-1024x1024.jpg)](https://www.linkedin.com/in/landauran/)[**Ran Landau**](https://www.linkedin.com/in/landauran/) Chief Technology Officer Intelligo Group, Quandro, Conduit [![Julie Godoy](https://www.splitit.com/wp-content/uploads/2024/11/julie-godoy.jpg)](https://www.linkedin.com/in/julie-cates-godoy-7943483/)[**Julie Godoy**](https://www.linkedin.com/in/julie-cates-godoy-7943483/) Chief Finance Officer First Data, Delta Air Lines, Georgia-Pacific [![Collin Flotta](https://www.splitit.com/wp-content/uploads/2024/11/collin-flotta.jpg)](https://www.linkedin.com/in/collinflotta/)[**Collin Flotta**](https://www.linkedin.com/in/collinflotta/) Head of Product Fiserv, First Data Corporation, Acculynk, Total Systems [![Jason Gonzalez](https://www.splitit.com/wp-content/uploads/2024/11/jason-gonzalez.jpg)](https://www.linkedin.com/in/jag512/)[**Jason Gonzalez**](https://www.linkedin.com/in/jag512/) Head of Legal & Compliance Global Payments, Netspend, TSYS [![Shannon Johnson](https://www.splitit.com/wp-content/uploads/2024/11/shannon-johnson.jpeg)](https://www.linkedin.com/in/shannon-johnson-597917b/)[**Shannon Johnson**](https://www.linkedin.com/in/shannon-johnson-597917b/) Head of Financial Institution Partnerships McKinsey, PNC Bank, Key Bank, iTrust Bank, Visa, Marqeta [![Calvin Woo](https://www.splitit.com/wp-content/uploads/2024/11/calvin-woo.jpeg)](https://www.linkedin.com/in/calvinyjwoo/)[**Calvin Woo**](https://www.linkedin.com/in/calvinyjwoo/) Vice President of Sales eftsure, Equifax, American Express [![Lyndal Newman](https://www.splitit.com/wp-content/uploads/2024/11/lyndal-newman.jpeg)](https://www.linkedin.com/in/lyndalnewman/)[**Lyndal Newman**](https://www.linkedin.com/in/lyndalnewman/) Head of Marketing McArthurGlen Group, Dixons Carphone, Sky [![John Beisner](https://www.splitit.com/wp-content/uploads/2024/11/john-beisner.jpeg)](https://www.linkedin.com/in/jbeisner/)[**John Beisner**](https://www.linkedin.com/in/jbeisner/) Head of Client Success Fiserv, First Data, Acculynk [![James Wray](https://www.splitit.com/wp-content/uploads/2024/11/james-wray.jpeg)](https://www.linkedin.com/in/jameswray/)[**James Wray**](https://www.linkedin.com/in/jameswray/) Head of Acceptance Partnerships FIS, Paymetric, Xpanxion, Experis _\*Standard credit card terms and condition apply_ ## Join the revolution in payments. Partner with us. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) reCAPTCHA Recaptcha requires verification. [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/) protected by **reCAPTCHA** [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/)# Promoting Splitit shows positive impact on conversion for AceMarks ![](https://www.splitit.com/wp-content/uploads/2024/10/ace-marks-with-logo.jpg) ## Meet AceMarks AceMarks is a direct to consumer premium Italian shoemaker, combining the old traditions of shoe making with new business models to make luxury more affordable. Their shoes are made 100% in Italy by fourth generation artisan shoemakers and sold online all over the world. Paul Farago, Founder and CEO, is a second generation shoemaker who wanted to branch out from his family business and build something of his own. AceMarks was officially launched in 2016 on Kickstarter and has since joined strategic partnerships with companies like Splitit to help continue to grow and reach new audiences. ## +10% average order value ## 2x conversion since adding Splitit “ “Our relationship with Splitit has been fantastic so far. We have a very clear and active dialogue, which I love. One of the big things we’ve done with Splitit is figure out best practices and messaging in tandem, which optimizes our objectives and accurately reflects the most important value props of both brands. Splitit has definitely added an element to our business that has been tremendously useful.” ## Partnering with Splitit The search for the perfect installment payment partner began with their mission to make luxury more affordable. AceMarks initially began offering a different financing solution to keep up with their competitors who were already offering pay over time solutions. However, after receiving customer feedback and realizing that the company’s business model did not align well with their brand, they set out to find a better solution for their target demographic of savvy shoppers. During a Shoptalk conference in Las Vegas they met Splitit along with several other companies offering installment payments. They chose Splitit for several reasons: - From an operations standpoint, AceMarks started with a made-to-order program on their site, and Splitit helped create a payment solution that would custom fit their needs - From a customer standpoint, Splitit was less intrusive and straightforward because it flowed like a regular checkout, which also made their customers feel more comfortable - AceMarks felt like Splitit met their requirements and was also in their customer’s best interest - Splitit didn’t have any lending practices that they felt would be too aggressive - AceMarks felt like Splitit was a nice fit with their brand ## How AceMarks uses Splitit to improve business AceMarks onboarded Splitit in March 2019 and has enjoyed a great partnership with them over the past two years, even during the pandemic. In 2020, from Black Friday through the winter holiday season, the company saw the share of payments made with Splitit double. The company tracks their visitors closely, surveying key anxiety points for shoppers as they leave their website. The biggest worry, they found, was regarding sizing issues. They are using Splitit to minimize this issue for shoppers with their “try it before you buy it” messaging. AceMarks works Splitit into their A/B testing regularly, using Splitit copy in promotions, email campaigns, and throughout their website. Currently, they are promoting Splitit in their cart abandonment email campaign, which has proven to be a very effective step in their flow, resulting in a 10% click-through-rate and 2.7% conversion rate. Since implementing Splitit into their checkout process, they have seen their average order values increase by 10% and their conversion rate double. The company feels that Splitit offers them the ability to get that extra bit of affordability into their shopping experience, which is directly in line with their mission. Join our community of happy Merchants ## Give your shoppers an option they’ll love [Get started](https://www.splitit.com/success-stories/luxury/ace-marks/#) Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=9kq2msdalemi)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # Data Protection Addendum & GDPR Compliance _Last Updated: January 2022_ This Data Protection Addendum (“DPA”), governs the transfer, collection and processing of Personal Data (as defined below), pursuant to the SPLITIT Merchant Terms and Conditions applicable to you (“Terms”) governing the use of SPLITIT Services, Merchant Application and SPLITIT Platform, by any Merchant (“Merchant”). Each of SPLITIT and Merchant shall be referred to as a “Party” and collectively the “Parties”. Any capitalized terms not defined herein shall have the meaning ascribed to such terms in the Terms. **1\. Definitions** 1.1. The terms “Personal Data”, “Processor”, “Controller”, and “processing”, “Special Categories of Personal Data”, shall have the meaning ascribed to such terms in the GDPR. 1.2. “Data” means Personal Data and Non-Personal Data. 1.3. “Data Subject(s)” means natural-persons regarding whom Data is processed by Merchant in connection with the Splitit Services, or disclosed to Splitit by Merchant pursuant to this DPA and the Terms, including without limitation, Merchant’s Customers and Merchant’s Users. 1.4. “GDPR” means Regulation (EU) 2016/679, of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation). 1.5. “Merchant’s Customers” means customers, clients, end-users, and/or consumers of the Merchant’s products and/or services, which may use the Splitit installments services in connection with the purchase of Merchant’s products and/or services. 1.6. “Merchant’s Users” means any natural persons using the Splitit Services, Splitit Application and Splitit Platform on behalf or under authorization of the Merchant, including employees, consultants, and service providers. 1.7. “Non-Personal Data” means any data or information of any kind relating to Data Subjects, which is not Personal Data. “Sub-Processors” shall have the meaning set forth in Section 8; 1.8. “Sub-Processor Notice” shall have the meaning set forth in Section 8. **2\. Data Procesing** 2.1. In rendering the Splitit Services to Merchant, the following Personal Data may be processed by Splitit on behalf of Merchant: 2.1.1. Personal Data disclosed from time to time by Merchant to SPLITIT, concerning Merchant, Merchant’s Customers or Merchant’s Users; 2.1.2. Personal Data processed by Splitit on behalf of Merchant in connection with providing Splitit Services to Merchant, whether shared with Splitit by Merchant or collected independently by Splitit from Data Subjects or third parties. 2.2. In connection with any and all processing of Personal Data in the framework of provision of the Splitit Services to Merchant, the Parties agree and acknowledge that Merchant shall be regarded as a Controller of such Personal Data, and Splitit shall be regarded as a Processor of such Personal Data. 2.3. SPLITIT will Process on behalf of Merchant Personal Data as specified in Appendix A attached hereto. 2.4. SPLITIT will Process Personal Data for the following purposes: 2.4.1. the provision of the Splitit Services to Merchant, including support and maintenance services; 2.4.2. the provision of payment installments services to Merchant’s Customers, under the written instruction of Merchant. For the avoidance of doubt, Merchant’s acceptance of the Terms constitutes Merchant’s explicit written instruction to Splitit to process Personal Data pursuant to this DPA; 2.4.3. to contact Merchant in connection with the Splitit Services, notifications, programs or offerings; 2.4.4. to send Merchant updates, promotional materials and newsletters. Merchant may choose to opt-out and to not receive these communications by sending SPLITIT a notice to: info@splitit.com. 2.4.5. to identify and authenticate Merchant’s or Merchant’s Users’ access to parts of the Services, Splitit Application or Splitit Platform, that Merchant or Merchant’s Users’ are authorized to access; 2.4.6. to provide Merchant’s Users and Merchant’s Customers, with support in connection with the Splitit Services; 2.4.7. to protect the security or integrity of SPLITIT’s databases or the Splitit Services, to take precautions against legal liability, and to analyze and improve the Splitit Services; 2.4.8. as necessary to help detect and prevent potentially illegal acts and fraud. 2.4.9. as otherwise required and appropriate for the fulfilment of the Terms and exercising SPLITIT’s rights and obligations thereunder, provided such processing is permitted under applicable laws. **3\. Representations and Undertakings of Splitit** 3.1. Splitit shall implement appropriate technical and organizational measures to ensure a level of security appropriate to the risks associated with accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to Personal Data. 3.2. SPLITIT’s employees, authorized by SPLITIT to process Personal Data on behalf of Merchant, are committed to customary confidentiality undertakings, or are otherwise under appropriate statutory obligations of confidentiality. 3.3. SPLITIT shall only Process Personal Data on behalf of Merchant and pursuant to the instructions as set forth herein, pursuant to the Terms, or otherwise agreed to between the Parties in writing. 3.4. At the choice of the Merchant, SPLITIT will delete or return to the Merchant Personal Data which is processed by SPLITIT on behalf of the Merchant under this DPA after the termination or expiration of the Terms and Merchant’s engagement with Splitit, and shall delete any existing copies unless permitted to retain such data under applicable law. 3.5. Merchant shall be liable to comply with obligations in connection with the rights and freedoms of Data Subjects, including Merchant’s Users and Merchant’s Customers, pursuant to applicable laws. 3.6. Without derogating from the above SPLITIT shall notify Merchant upon receiving any request from a Data Subject, and shall make reasonable commercial efforts to assist the Merchant by appropriate technical and organizational measures, insofar as possible, for the fulfilment of the Merchant’s obligations to respond to requests for exercising the Data Subjects’ rights pursuant to applicable laws and the Terms. **4\. Representations and Undertakings of Merchant** 4.1. Merchant undertakes that Merchant shall Process Personal Data only as lawful and compliant with applicable law, including if applicable the GDPR, and that Merchant shall be responsible to implement measures ensuring and demonstrating such compliance. 4.2. Merchant’s use of the Splitit Services must comply with all applicable laws, including laws relating to spam or unsolicited commercial emails, privacy, security, obscenity, defamation, child protection, and other applicable laws. 4.3. Merchant acknowledges that it is aware that SPLITIT may not have any direct interaction with the Data Subjects, and therefore, is unable to inform them of relevant information in connection with the processing of their Personal Data, or obtain Merchant’s Customers consent to such processing by Splitit. In light of the above, Merchant agrees that it is responsible to inform Merchant’s Users and Merchant’s Customers, clearly and explicitly, of the processing of their Personal Data, including by SPLITIT, pursuant to and in accordance with Merchant’s engagement with SPLITIT. Merchant further represents that Merchant has all required authorizations to disclose, share or provide otherwise Personal Data to SPLITIT pursuant to this DPA and the Terms. In the event consent is required under applicable law including the GDPR, the Merchant shall: (i) ensure that it obtains consent from Data Subjects and displays all necessary and applicable notices in accordance with the applicable law; (ii) maintain a record of all consents obtained from Data Subject; and (iii) maintain a record of the withdrawals of consent by Data Subjects. 4.4. Each Party shall maintain a publicly-accessible privacy policy that is available via a prominent link that satisfies transparency disclosure requirements of the applicable law, and specifically that is in compliance with Article 13 and Article 14 of the GDPR. 4.5. Merchant shall not upload, Process, transfer, disclose or otherwise make available to SPLITIT any Personal Data included in Special Categories of Personal Data. If Merchant, in contradiction to Merchant’s undertaking herein, transfers or discloses to SPLITIT any Personal Data included in Special Categories of Personal Data, Merchant hereby represents that Merchant has any and all required authorizations, including Data Subjects’ explicit consent, for the transfer of such data to SPLITIT. **5\. Merchant’s Instructions** 5.1. Merchant hereby instructs SPLITIT to Process, on behalf of Merchant, Personal Data, uploaded, transferred or disclosed to SPLITIT by Merchant or otherwise in connection with the Splitit Services to Merchant and Merchant’s Customers, for the purposes and in accordance with the terms specified herein and in the Terms. 5.2. In the event Merchant wishes to instruct SPLITIT to Process Personal Data other than as specified in this DPA and the Terms (“New Instructions”), Merchant shall provide SPLITIT with prior written notification containing the New Instructions. New Instructions shall be in force after approved in writing by SPLITIT. 5.3. Notwithstanding the above, SPLITIT will not be obligated to perform any instruction or Processing, which in SPLITIT’s reasonable determination, is in violation of applicable law, and SPLITIT shall notify Merchant without delay regarding such determination. **6\. Audits and Reports** 6.1. Upon Merchant’s reasonable request, SPLITIT will provide Merchant with relevant documentation or records (which may redacted to remove confidential commercial information not relevant to this DPA) which will enable it to verify and monitor SPLITIT’s compliance with its data protection and security obligations under the terms of this DPA, not less than thirty (30) days of receipt of such request. 6.2. Where, in the reasonable opinion of Merchant, such documentation is not sufficient in order to meet the obligations of Article 28 of the GDPR (if applicable), Merchant may, upon reasonable prior written notice to SPLITIT and upon reasonable grounds, conduct, at Merchant’s expense, an on-site audit of SPLITIT’s premises only as used in connection with the services provided to Merchant, solely to confirm compliance with SPLITIT’s data protection and security obligations under this DPA. Any audit carried out by Merchant will be conducted in a manner that does not disrupt, delay or interfere with SPLITIT’s performance of its business. Merchant shall ensure that the individuals carrying out the audit are under appropriate confidentiality obligations acceptable to SPLITIT. 6.3. SPLITIT shall notify Merchant in writing upon an event of data breach that affected Merchant’s Personal Data, and/or as otherwise required under applicable law. 6.4. SPLITIT may disclose Data to law enforcement, regulatory or other government agencies, or third parties, if SPLITIT reasonably believes that such disclosure is necessary to comply with a judicial proceeding, court order, or a legal process applicable to SPLITIT, provided however that SPLITIT shall notify Merchant in writing regarding any legally binding request for disclosure of Personal Data by a law enforcement authority, unless otherwise prohibited by applicable law. **7\. Personal Data and non-Personal Data** 7.1. SPLITIT only collects Personal Data regarding its Merchants and Merchant’s Users which the Merchant has provided SPLITIT voluntarily, by engaging with SPLITIT for the provision of the Splitit Services. Merchant is not required by any law to provide SPLITIT with any Personal Data regarding Merchant’s Users or other Data Subjects. 7.2. SPLITIT logs domain and IP address automatically; this information identifies the device that is being used to access Splitit Services. 7.3. SPLITIT also uses cookies, web beacons or similar technologies to gather Data. Merchant hereby explicitly authorizes SPLITIT to use cookies and similar technologies in connection with the provision of the Splitit Services, and represents that Merchant has all requisite rights to grant such authorization to SPLITIT. 7.4. With respect of Non-Personal Data, Merchant agrees that SPLITIT has unlimited rights to such information and that SPLITIT may use such information without limitation. Such information shall be deemed non-confidential. 7.5. Non-Personal Data is collected and processed mainly for analysis in order to constantly improve and maintain Splitit Services, including among others, for ensuring the technical functioning of the Splitit Services, to help prevent fraudulent use of the Splitit Services, Platform and Application, and for developing new services and applications. 7.6. SPLITIT may share non-personal, aggregate data regarding Splitit Services usage with its affiliates, partners and advertisers. From time to time, SPLITIT may release Non-Personal Data in the aggregate, e.g., by publishing a report on trends in Splitit Services and products usage. 7.7. Merchant is entitled to review its Personal Data, and may exercise such right by logging in its account on the SPLITIT Application and/or Platform, or by sending SPLITIT a request to: support@splitit.com. In the event any Personal Data is incorrect or outdated, Merchant may update and correct such data by providing SPLITIT with the appropriate information. 7.8. Merchant may also be entitled to request the erasure or the restriction of certain Personal Data, and SPLITIT will comply with such requests, to the extent required under applicable law. 7.9. SPLITIT retains Personal Data for the duration necessary in order to: (i) fulfill the purposes of Processing as described herein, and (ii) defend or assert legal claims and liability, or as otherwise permitted under applicable law. **8\. Subprocessing** 8.1. Merchant acknowledges that SPLITIT may transfer Personal Data to and otherwise interact with third party data processors (“Sub-Processor”) with respect to the SPLITIT Services, including for the following purposes: 8.1.1. Third parties which assist SPLITIT in operating the Services; 8.1.2. Personalizing the experience of Merchant’s Customers; 8.1.3. As necessary to help detect and prevent potentially illegal acts and fraud, and to guide decisions about the products, services and communications; 8.1.4. Credit bureaus and collection agencies to report account information, as permitted by law. 8.2. Merchant hereby, authorizes the SPLITIT to engage and appoint such Sub-Processors to Process Personal Data, as well as permits each Sub-Processor to appoint a Sub- Processor on its behalf. SPLITIT may continue its engagement with its current Sub-Processors as of the date of this DPA as detailed in Appendix 2 attached hereto. 8.3. Merchant hereby acknowledges and confirms that in the event that Merchant’s use of the SPLITIT Services shall include a fraud detection feature, the Merchant will provide SPLITIT or any Sub-Processor on SPLITIT’s behalf, with Personal Data concerning transactions made prior to the engagement between Merchant and SPLITIT, for the purpose of enabling the fraud detection services. Merchant represents and warrants that Merchant has all required authorizations to disclose, share or provide otherwise Personal Data regarding Data Subjects to SPLITIT pursuant to this DPA and the Terms. 8.4. In the event that SPLITIT shall appoint a new Sub-Processor, it shall provide a written notice, whether by general or specific reference to such Sub-Processor (e.g., by name or type of service), including relevant details of the Processing to be undertaken by the new Sub-Processor (the “Sub-Processor Notice”). SPLITIT will enter into separate contractual arrangements with such Sub-Processors binding them to comply with obligations in accordance with the GDPR and this DPA. 8.5. Notwithstanding the above, Merchant may object to the appointment of the new Sub-Processor, as follows: (i) Merchant shall provide the SPLITIT with prior written notice no later than 7 days following the receipt of the Sub-Processor Notice, detailing its objection, based on reasonable grounds, to the appointment of the new Sub-Processor; (ii) SPLITIT shall take reasonable steps to address the objections raised by Merchant and shall report these steps in writing to the Merchant; and (iii) Within 3 days of receipt of the SPLITIT’S notice regarding the steps taken, the Merchant may notify SPLITIT that it does not find such steps to be sufficient to settle its objections. In the event the Merchant did not provide such notification, it will constitute as its approval of the Sub- Processor. In the event the Merchant further objects, each party may terminate the relationship upon a written notification effective immediately, without liability. 8.6. Merchant acknowledges that SPLITIT is an international corporation, and that Personal Data may be transferred to a country other than the country where Data Subjects are located in connection with the provision of SPLITIT’s Services to Merchant and Merchant’s users. 8.7. In the event SPLITIT transfers Personal Data across international borders, SPLITIT will use appropriate safeguards to ensure a level of security appropriate to the risks from accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to the Personal Data transferred. 8.8. Unless Merchant notifies SPLITIT in writing that the transfer of Personal Data is prohibited, any such transfer shall be regarded as permitted explicitly by Merchant. **9\. Liability and Indemnification** The Merchant will defend, indemnify, and hold harmless SPLITIT, and its officers, directors, employees, successors, and agents, from all claims, damages, liabilities, assessments, losses, costs, administrative fines and other expenses (including, without limitation, reasonable attorneys’ fees and legal expenses), arising out of or resulting from any claim, allegation, demand, suit, action, order or any other proceeding by a third party (including supervisory authorities) that arises out of or relates to a violation of the Merchant’s representations and/or obligations under this DPA and/or the Terms. **10\. Term** The term of this Notice shall continue until termination or expiration of the Terms or Merchant’s engagement with SPLITIT. **11\. General Terms** 11.1. The above Sections required by the GDPR shall be in force only in the event the GDPR applies to the processing of Personal Data pursuant to this Notice. 11.2. In the event of inconsistencies between the provisions of this Notice and the Terms, the provisions of this Notice shall prevail with regard to the Parties’ data protection and privacy protection obligations. 11.3. The waiver by either Party of a breach of any of the terms and conditions of this Notice must be in writing and will not be construed as a waiver of any subsequent breach of such term or condition or the waiver of the provision itself. A Party’s performance after the other Party’s breach shall not be construed as a waiver of that breach. 11.4. Neither party shall assign this Notice (or any part thereof) without the advance written consent of the other Party, except that SPLITIT may assign this Notice in connection with a merger, reorganization, acquisition or other transfer of all or substantially all of its assets or voting securities. 11.5. If any provision of this Notice shall be adjudged by any court of competent jurisdiction to be unenforceable or invalid, that provision shall be limited to the minimum extent necessary so that this Notice shall otherwise remain in effect. 11.6. This Notice shall be governed by and construed in accordance with the same laws the Terms. Any claim under this Notice may be solely brought to the competent courts as specified in the Terms. 11.7. SPLITIT may amend this Notice from time to time, and make the amended Notice available to Merchant. **Appendix A: Details of Processing of Personal Data** This Appendix A includes certain details of the Processing of Personal Data as required by Article 28(3) GDPR. 1. Subject matter and duration of the Processing of Personal Data The subject matter and duration of the Processing of the Personal Data are set out in the Terms and the DPA. 2. The nature and purpose of the Processing of Personal Data SPLITIT is engaged to provide Merchant with services which involve the processing of Personal Data. The scope of the services is set out in the Terms, and the Personal Data will be processed by SPLITIT to deliver those Services to Merchant and to comply with the Terms and the DPA. 3. The types of Personal Data to be processed - Merchant’s Users contact information, such as name, email, phone number, etc. - Merchant’s Users IP addresses and device identifiers. - Merchant’s Customers’: - Personal Data, including full name, phone number, billing address and account details. - Transactional data, including full Primary Account Number (PAN), expiration date, amount, currency, and number of installments. - Supplemental transactional logging, including IP address, device identifier, order ID, and verification results. - Additional identifiers: merchant’s Personal Data. 4. The categories of Data Subject to whom the Personal Data relates - Merchant’s Customers. - Merchant’s Users. 5. The obligations and rights of SPLITIT The obligations and rights of SPLITIT are set out in the Terms and the DPA. 6. The processing operations carried out in relation to the Personal Data Collection, recording, hosting, organizing, adapting, analyzing, retrieving, sharing with Sub-Processors, structuring, storing, deleting, in each case for the purposes of providing services to Merchant and Merchant’s Customers, the scope of which are set out in the Terms and the DPA. **Appendix B: Sub-Processors** - Fraud Detection and Merchant Identification: Forter Ltd. and Trulioo Information Services Inc. - Cloud Services: AWS. - Splitit’s Subsidiaries and Affiliates: including Splitit Ltd., Splitit USA Inc., Splitit Operations CA Ltd., Splitit UK Ltd, and Splitit Australia Pty Ltd. - Clearing Service Providers - Card acquirers, card processors and card networks, including, but not limited to, Visa, Mastercard, Discover and American Express. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=hhqqy3b0gbs6)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # Privacy Policy – Global, other than UK and Europe _Last Updated: May 2024_ Splitit is committed to your right to privacy. Reference to “ **Splitit**” “ **we**,” “ **us**” or the “ **Company**” is a reference to Splitit Ltd. and the relevant affiliates or subsidiaries involved in the data processing activity, including the collection, holding, use and disclosure of Personal Data. This Privacy Policy (“ **Privacy Policy**”), is an integral part of our terms and conditions applicable to you, and governs the data collection, processing, use, transfer and disclosure made by us (or by anyone on behalf of us) in connection with: (i) visitors to our website: [https://www.splitit.com/](https://www.splitit.com/) (respectively, “ **Visitor**” and “ **Website**”); (ii) the services provided by Splitit, including a payment solution offered by Splitit to its customers (e.g., merchants and retailers of e-commerce platforms that host or embed Splitit solution) (respectively, “ **Splitit Solution**” “ **Merchant**”); and (iii)  transactions made by Merchant’s consumers via Splitit Solution; and (iv) other related services and applications (collectively, “ **Services**”). We also process Personal Data on behalf of Merchants with respect to transactions made by Merchant’s individual customers via the Splitit Solution (“ **Consumer**”).  If you are a Consumer, we are a data processor of your Personal Data on behalf of the Merchant, who is the data controller.  Each of the Visitors, Merchant and Consumer shall also be referred to herein as “ **you**” or “ **User**”.   If you choose to use the Services, interact with the Website, or provide data to us otherwise, you explicitly agree to the use of such data in accordance with this Privacy Policy. You may not use the Website and/or Services or submit any data through them if you do not agree to any of the terms hereunder. This Privacy Policy shall not be construed in any manner to derogate from the terms and conditions of the Website, or any other agreement or understanding between Splitit and you. **The English language version of this Privacy Policy shall be controlling in all respects and shall prevail in case of any inconsistencies or discrepancies with translated versions of this Privacy Policy (including any related documents).** **THE HIGHLIGHTS**: - **Our Website and Services are intended for Users over the age of 16, or equivalent minimum age for either providing consent to processing of Personal Data or using the Services in the relevant jurisdiction. Users under such age are not permitted to use the Services. In certain jurisdictions using the Services may be restricted for Users under the age of 21.** - **In certain jurisdictions, you will be entitled under applicable law to request; review access; amendment, correction, erasure; restriction; or the portability of the Personal Data processed by us. Please note that in case you request to erase, or restrict the processing, or withdraw consent to the processing of your Personal Data, your use of the Services may be restricted or disabled. You may be entitled to exercise additional rights under the CCPA, please refer to our** [**User Rights Policy**](https://www.splitit.com/legals/splitit-privacy-policy/user-rights-policy/) **.** - **We do not sell, trade, or rent Users’ Personal Data to third parties. We only share Personal Data with third parties in connection with the provision of the Services to our Users, or other limited circumstances as specified herein.** - **If you have any questions or requests regarding your Personal Data, or would otherwise like to contact us in connection with this Privacy Policy, please send us an email to:** [**privacy@splitit.com**](mailto:privacy@splitit.com) **.** **_1\. What is Personal Data, and what data is collected about me by Splitit?_** “ **Personal Data**” or “ **Personal Information”**(will be referred together as “ **Personal Data**”), means any information about an identifiable individual or that identifies or can be used to identify a natural person, directly or indirectly, including, but not limited to, first and last name, phone number, email address, online identifiers, IP address or other online identifiers, billing information, information concerning households, devices etc. “ **Non-Personal Data**”, means non-identifiable aggregated data or anonymized data that falls outside the definition of Personal Data. This data is not used to identify individuals. **_2\. For what purposes and based on which legal bases do we process your Personal Data?_** In general, we may process certain of the Personal Data mentioned herein for the scenarios described below. | | | | --- | --- | | **Type of user and type of Data** | **Purposes for which we may collect, use or disclose this Personal Data** | | **Merchants onboarding** If you register as a Merchant to our Services, we will collect, use and disclose your information during the registration process. Such information includes, but is not limited to, your name, position, region, company, email address, contact details of your contact person, financial information (e.g., bank account details), etc. This information is collected from you directly when you engage with us (for instance when executing an agreement with us or signing a purchase order).  **We collect this information directly from you when you ask for a demo or when you engage with Splitit in a merchant agreement**. | - To onboard you to our Services and/or implement the Splitit Solution within your platform;
- To provide you with the Services;
- To identify authorized Users to access the Services;
- To resolve any disputes, communicate with you regarding customer service and support issues, and to respond to questions or comments and help resolve any problems. | | - **Technical Information, Geolocation and Online Identifiers**
We collect technical information transmitted by your device when using the Website and/or Services, this information includes: type of the operating system and device used to access the Website and/or Services, date and time stamp, language preferences, approximate geolocation (i.e., country/state), and your actions such as page views, search queries, etc.  In addition, when you access the Services, we collect your IP address (“ **Online Identifiers**”). Note that, while the Online Identifiers are considered Personal Data in many jurisdictions (such as the EEA, Canada and in California), there are some jurisdictions in which such data sets is not considered as Personal Data. We treat the Online Identifiers as Personal Data, in accordance with applicable laws.  **This information is collected automatically  from you when you are using the Website and Services.** **In case you are using the Services as a Consumer, we may receive this information directly from the Merchant from whom you purchased a product using the Splitit Solution.** | - To identify authorized users of the Services;
- To access and use the Services.
- To resolve any disputes, communicate with you regarding customer service and support issues, and to respond to questions or comments and help resolve any problems. | | **Consumers Using the Splitit Solution** When you use the Services, namely the Splitit Solution to pay for purchases you made through the Merchant’s platform (e.g., monthly installments), we collect use and disclose certain information about you. Such information includes, your full name, address, email, phone number, billing information (such as billing address, credit card number, expiration date, etc.). In your first use of the Services we will create for you a user account in Splitit. For this purpose you will receive an email with your account details. ~by using your account details you can view your purchases made through the Splitit Solution, change your credit card details, pay the balance of your account, etc. We will collect use and disclose additional information about you when you pay via the Splitit Solution, such information includes, your shopping history, products and services purchased from the Merchant, purchase details (e.g., payment schedule and name of the Merchant), in each case limited to purchases made via the Splitit Solution. The above mentioned information may be collected directly from you when you pay with the Splitit Solution, or transferred to us by the Merchant you are making the purchase from, depending on the process of implementation of the Splitit Solution in the merchant’s payment process. | To provide you with the Services, and enable you to pay for goods and services offered by the Merchants in installments (via the Splitit Solution). To provide Merchants (our clients) with the Services, therefore we will share with our Merchants information we collected from you. To resolve any disputes, communicate with you regarding customer service and support issues and to respond to questions or comments and help resolve any problems. | | **Surveys and Service Review** We may collect, use and disclose information when you participate and respond to surveys, provide your feedback to service review forms, rate or review the Services (“ **Survey**”). For this purpose we will collect and use your email address.  We also collect, use and disclose the information provided during the Surveys, such as your experience while using the Services, including your feedback on the process and customer support. Information regarding your age, range, gender, payment preferences, income, etc.  We may link the information collected in the survey to information we already have about you, such as which type of payment card you used with the Splitit Solution, the Merchant you were purchasing from, Merchant location, your location, etc. We will link the above-mentioned information to the information we have on you (only to the extent we have) in order to analyze and get insights regarding transactions made with our Services and in order to improve our Services. **This information may be requested by us directly or by our service providers who provide us with third party Survey services.** | We will use your email to send you Surveys, and if applicable to send your any vouchers or coupons.  We will use this information in order to improve our Services and products, understand if there are any difficulties or failures in the process, analyzing the Services, enhancing your experience, improving our customer service and your user experience. We also collect this information for our statistics and analytics purposes and make the Services customized for our Consumers. | | **Contact Us Information** If you contact us via the “ **Contact Us**” feature available through the Website our otherwise, we may collect certain information regarding you, such as your full name, your email, your phone number, your position (e.g., Consumer or Merchant) your company (if applicable to you), country, the content of your massage, etc. **We collect this information directly from you when you contact us.** | To answer your queries and provide you with the services you requested from us. | | **Newsletter Subscription** If you voluntarily subscribe to our newsletter through the Website, you will be requested to provide us with your email address. You can unsubscribe at any time using the unsubscribe option within the body of the applicable email or by contacting us directly. Please note that we may send you newsletters in case we are allowed based on other legal bases. | We use this information solely to provide you with the content you have requested. | In addition, we may use certain of the above-mentioned Personal Data in order to prevent potentially prohibited or illegal activities, fraud, misappropriation, infringements, identity theft and any other misuse of the Services and to enforce our rights against you, as well as to protect the security or integrity of our databases and Services. Such use and disclosure is based on our legitimate interests or based on legal obligation.  We do not knowingly collect or use or disclose any Personal Data included in Special Categories of Personal Data. In the event you become aware that such data has been posted to the Website or collected by us, please inform us immediately. **Non-Personal Data** Non-Personal Data is used mainly for click stream analysis in order to constantly improve and maintain our Website and Services, including among others, in order to measure and understand the level of engagement to our Services, for general business analytics and in order to provide a more personalized experience and tailored content, for ensuring the technical functioning of our network, to help prevent fraudulent use of our Services and for developing new services and features. **_3\. Does Splitit use cookies?_** Yes, we use data files such as cookies, pixel tags, “Flash cookies” or other local storage files provided by your browser or associated applications. We use these technologies for different purposes such as in order to recognize you as a user; customize our Site and Services, content, and advertising; measure promotional effectiveness; help ensure that your account security is not compromised; mitigate risk and prevent fraud; and to promote trust and safety across our Website and Services. These cookies also help us track how visitors use the Site and our Services. Please read our [Cookie Policy](https://www.splitit.com/legals/splitit-cookies-policy/english/) for more information about the cookies we use. You can allow all cookies or manage them individually by adjusting your preferences. **_4\. Will Splitit Share My Personal Data With Others?_** WE DO NOT SELL OR RENT ANY OF YOUR PERSONAL DATA TO NON-AFFILIATED THIRD PARTIES FOR THEIR MARKETING PURPOSES **.** 4.1 Non-Personal Data, aggregate and statistical or otherwise anonymized data may be shared without limitation with third parties at our discretion. This information does not contain Personal Data and is used to develop content and Services for our Users and Merchants. 4.2 We share Personal Data only under the following limited circumstances: 4.2.1 With partners who are an integral part of our Services, such as the Merchant you placed a purchase with, credit card processors, acquirers, banking institutions, payment gateway, lenders etc. 4.2.2 With trusted third parties who assist us in operating the Services and conducting our business. Such as service providers who provide us with fraud prevention services, customer support call center services, debt collection agencies, account maintenance, marketing services, survey services and platforms, and technology services. 4.2.3 With our affiliates and connected companies, such as subsidiaries to provide you with information about products and services that we or they believe may be of interest to you where you have consented to such sharing. 4.2.4 As necessary to help detect and prevent potentially illegal acts and fraud, and to guide decisions about the products, services and communications, based on our legitimate interest in avoiding illegal and fraudulent actions. 4.2.5 To comply with a legal requirement, for the administration of justice, to protect your vital interests or the vital interests of others, to protect the security or integrity of our databases or the Services, to take precautions against legal liability, or in the event of a corporate sale, merger, reorganization, dissolution or similar event. 4.2.6 Other third parties with your consent or direction to do so. **_5\. Will Splitit transfer my Personal Data internationally?_** Personal Data may be disclosed to an entity in the Splitit corporate group that is incorporated in Israel (“Splitit Israel”). Personal Data will be held on servers located in the U.S. Therefore, your Personal Data may be stored or processed in countries in which the privacy laws provide for a different level of protection for your Personal Data than that which exists in your country of residence. If you would like to receive more information about our practices and policies with respect to our use of service providers and the jurisdictions in which they are located, by the contact information provided below. **_6\. Will I receive promotional materials from Splitit?_** If you (e.g., a website user) provided us with your consent, we may send information on new products, features, activities, services and periodic announcements or newsletters. You may opt-out any time from such communications by either: (i) using an “unsubscribe” feature available within the message; or (ii) sending us an email to: [privacy@splitit.com](mailto:privacy@splitit.com) asking to opt-out. **_7\. Persons under 16_** Our Website is a general audience Website, which is not directed to persons under 16 years old. If a parent or guardian becomes aware that his/her child has provided us with Personal Data without their consent, he/she should contact us immediately. We do not knowingly collect or solicit Personal Data from people under 16 years old. If we become aware that a person under 16 years old has provided us with Personal Data, we will delete such data from our databases. Please note, in certain jurisdictions you may be banned from using the Splitit Solution unless you are 21 years old. **_8\. Users rights with respect to Personal Data_** Subject to applicable law requirements, we will provide individuals with the opportunity to exercise their rights regarding their Personal Data. Individuals’ rights under data protection and privacy laws, including: - the right to **confirm whether or not we hold your Personal Data**; - the right to **access your** Personal Data and being provided with a **copy** of the Personal Data that we hold, and the right to **rectification** of your Personal Data; - The right to request access to the Personal Data that we hold about you and correct it if it is inaccurate, incomplete or out of date. If we do not give you access to your Personal Data or we do not agree to your request for correction, we will provide you with reasons why. If you are not satisfied with our decision or reasons, please see Section 11 below. If we agree to grant you access or to correct your Personal Data, usually we will do this as soon as reasonably practicable following receipt of your request and in any event within the deadline established in applicable laws; - the right to **erasure** of your Personal Data; - the right to **restrict** the use and disclosure of your Personal Data; - the right to **object** to collection, use or disclosure of your Personal Data; - the right to **data portability**; and - the right to **withdraw consent**. For California residents, please review our [User Rights Policy](https://www.splitit.com/legals/splitit-privacy-policy/user-rights-policy/) regarding your rights under applicable law.  You may exercise any or all of your above rights in relation to your Personal Data (including to request access to and/or correct your Personal Data held by us) by filling out the [Data Subject Request Form](https://www.splitit.com/legals/splitit-privacy-policy/dsr-form/)(“ **DSR**”) and send it to our privacy team at: [privacy@splitit.com](mailto:privacy@splitit.com).    We may request additional information from you when you contact us with a DSR in order to: (i) verify your identity; (ii) determine the applicable laws apply to you; (iii) and locate your data. It may take time to process requests in a way that is consistent with applicable privacy law. **_9\. How does Splitit protect my data?_** Splitit implements measures to reduce the risks of loss of information and unauthorized access or use of information. We adopt appropriate and generally accepted data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your Personal Data. In particular, your payment information is secured in accordance with the PCI-DSS standard. However, these measures are unable to provide absolute information security. Therefore, although efforts are made to secure your personal information, it is not guaranteed and you cannot reasonably expect that the Service and its related databases will be immune from any wrongdoings, malfunctions, unauthorized interceptions or access, or other kinds of abuse and misuse. **_10\. Data Retention_** Unless you instruct us otherwise and subject to applicable laws, we retain the information we collect for as long as needed to provide our services and to comply with our legal obligations, resolve disputes and enforce our agreements if applicable. **_11\. Applicable Laws_** The provisions included in this Privacy Policy relating to matters that may be regulated under the Canadian privacy laws or the CCPA and therefore will apply only to the processing of Personal Data (or Personal Information) which is subject to the Canadian privacy laws or the CCPA in accordance with the applicability provisions contained therein. Additionally, collection and processing of certain Personal Data by Splitit may be regulated under Federal laws or other applicable laws, in such case this data may be exempted from CCPA requirements. **_12\. Questions or concerns regarding privacy_** If you have any questions or concerns regarding privacy issues, please send us a detailed message to [privacy@splitit.com](mailto:privacy@splitit.com) and we will make every effort to resolve your concerns without delay.  For Australian residents, if you feel that your complaint has not been adequately resolved, you are able to contact the Office of the Australian Information Commissioner on the details below: - Online: [www.oaic.gov.au/privacy](http://www.oaic.gov.au/privacy) - Phone: 1300 363 992 - Email: enquiries@oaic.gov.au Splitit may, at any time and from time to time, modify this Privacy Policy. Modifications to this Privacy Policy will be posted on the Website, you will be informed about them and shall be effective as of the date in which they are posted on the Website. If you require a copy of this Privacy Policy in a different format, such as a PDF or hard copy, please contact us at [privacy@splitit.com](mailto:privacy@splitit.com) and we will take reasonable steps to comply with your request. **_13\. PRIVACY NOTICE FOR CALIFORNIA RESIDENTS UNDER THE CALIFORNIA CONSUMER PRIVACY ACT_** This section for California Residents under the California Consumer Privacy Act of 2018 (respectively,  “ **Privacy Notice**” and “ **CCPA**”) supplements the information contained in our general Privacy Policy and applies solely to all visitors, users, and others who reside in the State of California (“ **consumers**” or “ **you**”), as defined under the CCPA. Any terms defined in the CCPA have the same meaning when used in this Privacy Policy. Further, this Privacy Notice is an integral part of our Privacy Policy and thus, definitions used herein but not defined herein shall have the meaning ascribed to them in our Privacy Policy. **As required under the CCPA, we will update this Privacy Notice every 12 months. The last revision date will be reflected in the “Recently Updated” heading located at the top of the Privacy Policy**. **TYPES OF PERSONAL INFORMATION WE COLLECT** Under the CCPA, “ **Personal Information**” is defined as any information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household or device. The categories of Personal Information that we collect (and has collected within the last 12 months), are detailed in the table below.  Please note that, under the CCPA Personal Information does not include: publicly available information from government records and de-identified or aggregated consumer information, information excluded from the CCPA’s scope (e.g., health or medical information covered by applicable laws such as the Health Insurance Portability and Accountability Act of 1996 (HIPAA)); and information covered by certain sector-specific privacy laws (e.g., the California Financial Information Privacy Act (FIPA)). | | | | | --- | --- | --- | | **Category** | **Examples** | **Collected** | | A. Identifiers. | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, or other similar identifiers. | **Yes** | | B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. | **Yes** | | C. Protected classification characteristics under California or federal law. | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). | **No** | | D. Commercial information. | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | **Yes** | | E. Biometric information. | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. | **No** | | F. Internet or other similar network activity. | Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. | **Yes** | | G. Geolocation data. | Physical location or movements. | **Yes** | | H. Sensory data. | Audio, electronic, visual, thermal, olfactory, or similar information. | **No** | | I. Professional or employment-related information. | Current or past job history or performance evaluations. | **Yes** | | J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | **No** | | K. Inferences drawn from other personal information. | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | **No** | **HOW WE COLLECT INFORMATION** Depending on the nature of your interaction with us, we may collect the above detailed information from you, as follows: (i) directly from you, for example, when you place an order via Splitit Solution on Merchant’s platform; (ii) automatically when you visit our Website; (iii) from third-party business partners such as analytics providers.   **USE OF PERSONAL INFORMATION** We may use, or disclose the Personal Information we collect for one or more of the following business purposes: - To fulfill or meet the reason you provided the information. For example, if you contact us with an inquiry and share your name and contact information, we will use that Personal Information to respond to your inquiry. - To provide, support, personalize, and develop our Website and Services, as well as improve our Website and Services. - For security and fraud detection purposes, and to maintain the safety, security, and integrity of our Site Services. - For testing, research, analysis, and product development, including to develop and improve our Website and Services. - To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations. - As described to you when collecting your Personal Information or as otherwise set forth in the CCPA. - To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding. We will not collect additional categories of Personal Information or use the Personal Information we collected for materially different, unrelated, or incompatible purposes without providing you notice. **SHARING AND SELLING DATA** We may disclose your Personal Information to a third party for a business purpose. When we disclose Personal Information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that Personal Information confidential and not use it for any purpose except performing the contract. We share your Personal Information with the following categories of third parties: 1. We share your Personal Information with our service providers (such as AWS our cloud storage services and our customer support call center service provider) 2. We share your Personal Information data aggregators (such as Google Analytics) 3. We share your Personal Information to our business partners (such as when you purchase through Merchant’s platform via Splitit Solution we share information with the Merchant). **DISCLOSURES OF PERSONAL INFORMATION FOR A BUSINESS PURPOSE OR FOR SELLING PURPOSES** In the preceding twelve (12) months, the Company has disclosed the following categories of Personal Information for a business purpose: Category A: Identifiers. Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). Category D: Commercial information: Commercial Information  Category F: Internet or other similar network activity.  Category G: Geolocation data. **SALES OF PERSONAL INFORMATION** In the preceding twelve (12) months, Company has not sold Personal Information. **YOUR RIGHTS REGARDING YOUR PERSONAL INFORMATION** The CCPA provides consumers with specific rights regarding their Personal Information. Please review our [User Rights Policy](https://www.splitit.com/legals/splitit-privacy-policy/user-rights-policy/) regarding your rights under applicable law. You may exercise any or all of your above rights in relation to your Personal Information by filling out the [DSR Form](https://www.splitit.com/legals/splitit-privacy-policy/dsr-form/) and send it to our privacy team at: [privacy@splitit.com](mailto:privacy@splitit.com). **CONTACT US** If you have any questions about this Privacy Policy, you may contact us as follows: By sending us an email at: [privacy@splitit.com](mailto:privacy@splitit.com).   By regular mail at: Splitit USA Inc. 5901 Peachtree Dunwoody Road, Suite C-480, Atlanta, GA 30328. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=rgzozmos92uh)# FORMULARIO DE SOLICITUD DE DE DERECHOS DE LOS INTERESADOS («DSR») Última actualización: julio de 2024 Splitit Ltd., y sus empresas afiliadas pertinentes que participan en el tratamiento de datos personales (e información personal tal como se define en la CCPA) (« Empresa ») valoran los derechos de privacidad de sus usuarios, clientes, consumidores y otros. Según lo dispuesto por el Reglamento general de protección de datos de la UE ( «GDPR ») y la Ley de privacidad del consumidor de California de 2018 (« CCPA ») (colectivamente, « Ley de protección de datos »), los residentes de la Unión Europea y los residentes de California, respectivamente, tienen derecho a realizar determinadas solicitudes relacionadas con nuestro tratamiento de datos personales. Para enviar una solicitud al interesado de conformidad con la Ley de protección de datos, complete este formulario. Al recibir su solicitud completa, la tramitaremos y responderemos dentro de los plazos exigidos por la Ley de protección de datos aplicable. Si necesitamos información adicional, nos pondremos en contacto con usted utilizando la información de contacto que facilitó en este formulario. La información facilitada en relación con esta solicitud se tratará únicamente con el fin de procesar y responder a su solicitud y se eliminará inmediatamente después cuando lo permita la Ley de protección de datos. Para obtener más información, consulte nuestra Política de privacidad yPolítica de derechos del usuario . A los efectos de este formulario, los datos personales incluirán información personal. Trataremos todos los DSR que se nos envíen en calidad de «Encargados del tratamiento». Tenga en cuenta que si es usted un usuario particular de la solución Splitit (es decir, un consumidor tal como se define en la Política de privacidad ), el «Encargado del tratamiento» es el Vendedor al que le compró el producto. Si recibimos una DSR de un consumidor, se lo notificaremos al Vendedor y remitiremos al consumidor al Vendedor correspondiente. Actuaremos de acuerdo con las instrucciones del Vendedor en relación con las solicitudes del consumidor. # Nombre y apellidos: Complete al menos una de las siguientes opciones de contacto. Nos atendremos a sus preferencias al respecto y, si no se completa nada, le responderemos de la misma manera en que se haya puesto en contacto con nosotros: Dirección (incluido el código postal): Dirección de correo electrónico: Número de teléfono: Marque las casillas correspondientes: ☐Me gustaría recibir información sobre por qué y cómo tratan mi información. ☐Me gustaría recibir una copia de los datos personales que tratan sobre mí. \* ☐Me gustaría que eliminaran los datos personales que tienen sobre mi persona. ☐Me gustaría que dejaran de tratar mis datos personales. ☐Me gustaría que limitaran o restringieran el tratamiento de mis datos personales. ☐Me gustaría recibir una copia de mis datos y transferirlos a un tercero (portabilidad). \* Me gustaría que dejaran de enviarme «marketing» directo. ☐Quiero retirar mi consentimiento para tratar mis datos personales (aplicable en virtud del RGPD). Me gustaría oponerme al tratamiento de mis datos personales (aplicable en virtud del RGPD). (aplicable en virtud del RGPD). ☐Otros. Justifique la solicitud: proporcione información adicional sobre su solicitud: Cuál es su relación con nosotros (por ejemplo, consumidor (usuario de la solución Splitit), visitante del sitio web de Splitit, contacto comercial, etc.): mencionado anteriormente en el tiempo establecido por la Ley de protección de datos si la solicitud es compleja o numerosa o si necesitamos información adicional, según lo permita la Ley de protección de datos. Le informaremos al respecto a su debido tiempo. La tramitación de la solicitud es gratuita; no obstante, podemos reservarnos el derecho a cobrar una tasa razonable para cubrir ciertos gastos administrativos (como el suministro de copias adicionales de los datos) o para tramitar solicitudes manifiestamente infundadas o excesivas. \*En virtud de la CCPA, sus derechos solo se aplican a la información personal (tal como se define en la misma) recopilada 12 meses antes de la solicitud y no tiene derecho a presentar más de 2 solicitudes en un periodo de 12 meses. Al enviar esta pregunta o solicitud, confirmo que: (i) la información que he facilitado es verdadera y exacta; (2) entiendo que la Empresa tratará la información de acuerdo con su política de privacidad; y (3) que la Empresa puede contactar conmigo para verificar mi identidad y tramitar esta solicitud. \*\*\*Nota: para enviar el formulario, imprímalo y envíelo por correo electrónico junto con la documentación justificativa a: [privacy@splitit.com](mailto:privacy@splitit.com).\\*\\*\\*Payment Processors # Card-linked installments Increase your processing volume with Splitit’s integrated white-label installments [Book a demo](https://www.splitit.com/partnerships/payment-processors/#contact-sales) ![](https://www.splitit.com/wp-content/uploads/2024/12/Group-3700138.png) ![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Vestiare Collective](https://www.splitit.com/wp-content/uploads/2024/09/Group-3700105.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png) ## Protect your core processing revenue Unlike traditional BNPL solutions, Splitit’s white-label installments ensure that valuable processing volume remains within your business, maximizing your revenue potential. It’s a win-win: you empower your merchants with flexible payment options while maintaining your core processing volume. [Book a demo](https://www.splitit.com/contact-sales/) ![](https://www.splitit.com/wp-content/uploads/2024/11/increase-aov-with-splitit.png) ## Higher transaction margins Integrating installment payments can increase your merchants’ AOV by an average of +20%. Splitit ensures you benefit from the uplift in AOV and keep control of transactions that would otherwise be lost to traditional BNPL providers. ![](https://www.splitit.com/wp-content/uploads/2024/11/highest-approval-rates-with-splitit.png) ## 85% approval rate Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. With no applications, underwriting or SSN required, there is no friction at the checkout. ## Frictionless payments Splitit provides the technology that empowers you to offer installment payments embedded within the checkout. [Book a demo](https://www.splitit.com/partnerships/payment-processors/#contact-sales) Pay now$1,500Pay in 3$500Pay in 12$125 ### Capture more transactions Capture a larger share of transaction volume and revenue by integrating installment payment options into the checkout process. ### No consumer friction Splitit embeds in the current purchase flow allowing any consumer with an active credit card to use the service – there’s no third-party registration or application needed. Left-click: rotate, Mouse-wheel/middle-click: zoom, Right-click: pan ![Fallback image](https://www.splitit.com/wp-content/themes/designbypelling/img/globe.png) ## Scale with ease A single global API and an extensive network of partnerships makes Splitit’s Installment-as-a-Service the easiest pay-later option to adopt, integrate and operate across all consumer touch points. #### 100+ countries #### 100+ currencies #### Multiple networks Form [Skip to form](https://js.hsforms.net/ui-forms-embed-components-app/frame.html?_hsPortalId=48942024&_hsFormId=94b01365-2c76-4c7f-9aae-cb0b3a452b04&_hsIsQa=false&_hsHublet=na1&_hsDisableScriptloader=true&editorVersion=2.0#main) # Let’s build smarter payment solutions together Partner with Splitit to offer flexible installments that enhance your services and support your clients’ growth. Reach out for a friendly, no-obligations chat! Email\* Company Name Message By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our Privacy Policy. You can exercise your data protection rights (in arts. 15-22 of the GDPR) at privacy@splitit.com Submit ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) reCAPTCHA Recaptcha requires verification. [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/) protected by **reCAPTCHA** [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/)# Premium products deserve premium payment options No limits. No credit checks. No brainer for your customers. Splitit specializes in converting large purchases with high-end shoppers. [Book a demo](https://www.splitit.com/merchants/industries/jewelry/#contact-sales) 50% of shoppers would switch merchants for card-linked installments ![](https://www.splitit.com/wp-content/uploads/2024/11/spliit-pay-later-for-jewelry-business-1024x683.jpg) ![Mobvoi](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi1.jpg)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Fenton](https://www.splitit.com/wp-content/uploads/2024/10/fenton1.png)![GemsNY](https://www.splitit.com/wp-content/uploads/2024/10/GemsNY1.jpg)![Faberge](https://www.splitit.com/wp-content/uploads/2024/10/faberge1-scaled.webp)![Xupes](https://www.splitit.com/wp-content/uploads/2024/10/xupes-logo.svg)![NOMOS Glashutte](https://www.splitit.com/wp-content/uploads/2024/10/nomos-logo1.png)![Mobvoi](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi1.jpg)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Fenton](https://www.splitit.com/wp-content/uploads/2024/10/fenton1.png)![GemsNY](https://www.splitit.com/wp-content/uploads/2024/10/GemsNY1.jpg)![Faberge](https://www.splitit.com/wp-content/uploads/2024/10/faberge1-scaled.webp)![Xupes](https://www.splitit.com/wp-content/uploads/2024/10/xupes-logo.svg)![NOMOS Glashutte](https://www.splitit.com/wp-content/uploads/2024/10/nomos-logo1.png)![Mobvoi](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi1.jpg)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Fenton](https://www.splitit.com/wp-content/uploads/2024/10/fenton1.png)![GemsNY](https://www.splitit.com/wp-content/uploads/2024/10/GemsNY1.jpg)![Faberge](https://www.splitit.com/wp-content/uploads/2024/10/faberge1-scaled.webp)![Xupes](https://www.splitit.com/wp-content/uploads/2024/10/xupes-logo.svg)![NOMOS Glashutte](https://www.splitit.com/wp-content/uploads/2024/10/nomos-logo1.png)![Mobvoi](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi1.jpg)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Fenton](https://www.splitit.com/wp-content/uploads/2024/10/fenton1.png)![GemsNY](https://www.splitit.com/wp-content/uploads/2024/10/GemsNY1.jpg)![Faberge](https://www.splitit.com/wp-content/uploads/2024/10/faberge1-scaled.webp)![Xupes](https://www.splitit.com/wp-content/uploads/2024/10/xupes-logo.svg)![NOMOS Glashutte](https://www.splitit.com/wp-content/uploads/2024/10/nomos-logo1.png) ## A more responsible way to pay We are the only installment payment solution that allows shoppers to use their existing credit card at checkout for financing without increasing their debt. Whether online or in store, you can offer a new approach to jewelry financing with card-linked installments, with no hidden fees or added interest (standard credit card T&Cs still apply). [Regulations are changing](https://www.splitit.com/blog/splitit-the-most-relevant-bnpl-with-regulations-looming/) for legacy BNPL providers, be prepared and act now. Splitit Embedded Ecommerce Installments - YouTube Splitit 489 subscribers [Splitit Embedded Ecommerce Installments](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc) Splitit Search 1/1 Info Shopping Tap to unmute If playback doesn't begin shortly, try restarting your device. Up NextCancelAutoplay is paused You're signed out Videos you watch may be added to the TV's watch history and influence TV recommendations. To avoid this, cancel and sign in to YouTube on your computer. CancelConfirm Share Include playlist An error occurred while retrieving sharing information. Please try again later. Watch later Share Copy link Watch on 0:00 [Previous (SHIFT+p)](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Previous (SHIFT+p)")[Next (SHIFT+n)](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Next (SHIFT+n)") / •Watch full videoLive • [Watch on YouTube](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Watch on YouTube") ## Frictionless payments Splitit provides the technology that empowers you to offer installment payments embedded within your existing jewelry customer journey. Our credit card financing option is integrated with your checkout, allowing customers to opt for monthly payments without applying for a new loan. [Book a demo](https://www.splitit.com/merchants/industries/jewelry/#contact-sales) Pay now$2,500Pay in 3$833.33Pay in 9$277.78$2,500Or from $416.66/moLearn more ### Own the end-to-end journey Splitit places your brand at the heart of every transaction, ensuring that you maintain complete control over the customer experience. By managing the entire journey, you can tailor the shopping experience to reflect your brand’s unique values and drive repeat business. ### Use existing credit Splitit removes the high risks of legacy BNPL by using existing credit, meaning there is no underwriting and we won’t hurt your shopper’s credit rating. Plus, shoppers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud. ### No registrations or redirects Splitit embeds into your current purchase flow, allowing any consumer with an active credit card to use the service – there’s no registration or application needed. Our seamless integration keeps the checkout smooth and straightforward, resulting in higher conversion rates and a checkout that is quick, easy, and secure for your shoppers. ![](https://www.splitit.com/wp-content/uploads/2024/11/increase-average-order-value-with-pay-later.png) ## Increase transaction values With Splitit’s card-attached installments there’s no arbitrary purchase limit, customers can maximize their purchasing potential using their existing available credit, leading to higher transaction values. ![](https://www.splitit.com/wp-content/uploads/2024/11/highest-approval-rates-with-splitit.png) ## Drive more conversions Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. With no applications, underwriting or SSN required, there is no friction at the checkout. ![](https://www.splitit.com/wp-content/uploads/2024/11/zero-default-risk-with-card-linked-installments-747x1024.png) ## Zero default risk Splitit operates with customers’ existing credit cards – their installment payment plan lives within the limits of their existing credit card. This means there’s no risk of defaulting on payment – should a customer miss their payments, the total order amount will be charged to their card. Real Businesses. Real Stories. ## Don’t just take our word for it. Splitit has helped thousands of businesses around the world to offer flexible pay-over-time options to their customers, using their existing credit card, in a more responsible way. [Book a demo](https://www.splitit.com/merchants/industries/jewelry/#contact-sales) [![Eduardo Hauser](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping-success-image.jpg)\\ Our commitment to consistency led us to Splitit, ensuring that, as a customer, you enjoy uniform payment options across all platforms.\\ \\ **Eduardo Hauser** CEO, Gem Shopping Network\\ View success story](https://www.splitit.com/success-stories/jewelry/gem-shopping-network/) [![Jerome Brustlein](https://www.splitit.com/wp-content/uploads/2024/10/fenton-ss.jpg)\\ As we think about international expansion, Splitit gives us a turnkey financing solution.\\ \\ **Jerome Brustlein** COO at Fenton\\ View success story](https://www.splitit.com/success-stories/jewelry/fenton/) [![Vishal Batwara](https://www.splitit.com/wp-content/uploads/2024/10/gemsny-with-logo.jpg)\\ Splitit is such a different concept than anything else out there. I don’t know why more retailers aren’t taking advantage of what they have to offer.\\ \\ **Vishal Batwara** Owner of GemsNY\\ View success story](https://www.splitit.com/success-stories/jewelry/gemsny/) [![Arnaud Pons](https://www.splitit.com/wp-content/uploads/2024/10/gemperles-with-logo.jpg)\\ Splitit really gave us a push to show us new business possibilities.\\ \\ **Arnaud Pons** Director of Gemperles\\ View success story](https://www.splitit.com/success-stories/jewelry/gemperles/) [![Fanni Melzer](https://www.splitit.com/wp-content/uploads/2024/10/nomos-glashutte-withlogo.jpg)\\ Splitit is the opposite of a typical financial institution. They are quick, helpful and nice, providing good service.\\ \\ **Fanni Melzer** Head of E-Commerce at Nomos\\ View success story](https://www.splitit.com/success-stories/consumer-electronics/nomos-glashutte/) [![Mu Wang](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi-with-logo.jpg)\\ Splitit has had a magnificent impact on increasing sales and conversion rate with attractive advantages for our customers\\ \\ **Mu Wang** Mobvoi, Inc\\ View success story](https://www.splitit.com/success-stories/consumer-electronics/mobvoi/) Form [Skip to form](https://js.hsforms.net/ui-forms-embed-components-app/frame.html?_hsPortalId=48942024&_hsFormId=e785e4a9-d2e6-4a04-9247-e78b2f927f2c&_hsIsQa=false&_hsHublet=na1&_hsDisableScriptloader=true&editorVersion=2.0#main) # Want to bring sophistication to your payment process? See for yourself how Splitit can enhance the customer experience for luxury goods. Reach out for a friendly, no-obligations chat! Email\* Company Name Message By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our Privacy Policy. You can exercise your data protection rights (in arts. 15-22 of the GDPR) at privacy@splitit.com Submit ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) reCAPTCHA Recaptcha requires verification. [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/) protected by **reCAPTCHA** [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/)# Installments for Luxury purchases A BNPL solution designed for big-ticket, luxury purchases, offer a more responsible way for shoppers to pay in installments. [Book a demo](https://www.splitit.com/merchants/industries/luxury/#contact-sales) 50% of shoppers would switch merchants for card-linked installments ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/bnpl-solution-for-luxury-business-1024x683.jpg) ## A more responsible way to pay We are the only installment payment solution that allows shoppers to use their existing credit card at checkout without increasing their debt. [Regulations are changing](https://www.splitit.com/blog/splitit-the-most-relevant-bnpl-with-regulations-looming/) for legacy BNPL providers, be prepared and act now. ## Frictionless payments Splitit provides the technology that empowers you to offer installment payments embedded within your existing customer journey. [Book a demo](https://www.splitit.com/merchants/industries/luxury/#contact-sales) Pay now$2,500Pay in 3$833.33Pay in 9$277.78$2,500Or from $416.66/moLearn more ### Own the end-to-end journey Splitit places your brand at the heart of every transaction, ensuring that you maintain complete control over the customer experience. By managing the entire journey, you can tailor the shopping experience to reflect your brand’s unique values and drive repeat business. ### Use existing credit Splitit removes the high risks of legacy BNPL by using existing credit, meaning there is no underwriting and we won’t hurt your shopper’s credit rating. Plus, shoppers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud. ### No registrations or redirects Splitit embeds into your current purchase flow, allowing any consumer with an active credit card to use the service – there’s no registration or application needed. Our seamless integration keeps the checkout smooth and straightforward, resulting in higher conversion rates and a checkout that is quick, easy, and secure for your shoppers. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/increase-average-order-value-with-pay-later.png) ## Increase transaction values With Splitit’s card-attached installments there’s no arbitrary purchase limit, customers can maximize their purchasing potential using their existing available credit, leading to higher transaction values. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/highest-approval-rates-with-splitit.png) ## Drive more conversions Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. With no applications, underwriting or SSN required, there is no friction at the checkout. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/11/zero-default-risk-with-card-linked-installments-747x1024.png) ## Zero default risk Splitit operates with customers’ existing credit cards – their installment payment plan lives within the limits of their existing credit card. This means there’s no risk of defaulting on payment – should a customer miss their payments, the total order amount will be charged to their card. Real Businesses. Real Stories. ## Don’t just take our word for it. Splitit has helped thousands of businesses around the world to offer flexible pay-over-time options to their customers, using their existing credit card, in a more responsible way. [Book a demo](https://www.splitit.com/merchants/industries/luxury/#contact-sales) [![Eduardo Hauser](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/gem-shopping-success-image.jpg)\\ Our commitment to consistency led us to Splitit, ensuring that, as a customer, you enjoy uniform payment options across all platforms.\\ \\ **Eduardo Hauser** CEO, Gem Shopping Network\\ View success story](https://www.splitit.com/success-stories/jewelry/gem-shopping-network/) [![Pedro Bennasar](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/vestiaire-collective-with-logo.jpg)\\ We can propose Splitit for high-value items, where we could not with other buy now, pay later solutions\\ \\ **Pedro Bennasar** Head of Payments, Vestiaire Collective\\ View success story](https://www.splitit.com/success-stories/luxury/vestiaire-collective/) [![Jerome Brustlein](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/fenton-ss.jpg)\\ As we think about international expansion, Splitit gives us a turnkey financing solution.\\ \\ **Jerome Brustlein** COO at Fenton\\ View success story](https://www.splitit.com/success-stories/jewelry/fenton/) [![Arnaud Pons](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/gemperles-with-logo.jpg)\\ Splitit really gave us a push to show us new business possibilities.\\ \\ **Arnaud Pons** Director of Gemperles\\ View success story](https://www.splitit.com/success-stories/jewelry/gemperles/) [![Fanni Melzer](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/nomos-glashutte-withlogo.jpg)\\ Splitit is the opposite of a typical financial institution. They are quick, helpful and nice, providing good service.\\ \\ **Fanni Melzer** Head of E-Commerce at Nomos\\ View success story](https://www.splitit.com/success-stories/consumer-electronics/nomos-glashutte/) [![Mu Wang]()\\ Splitit has had a magnificent impact on increasing sales and conversion rate with attractive advantages for our customers\\ \\ **Mu Wang** Mobvoi, Inc\\ View success story](https://www.splitit.com/success-stories/consumer-electronics/mobvoi/) [![Julian Gonzalez]()\\ Our relationship with Splitit has been fantastic so far. We have a very clear and active dialogue, which I love.\\ \\ **Julian Gonzalez** CMO/CTO at AceMarks\\ View success story](https://www.splitit.com/success-stories/luxury/ace-marks/) ![Mobvoi]()![Gem Shopping Network]()![James Allen]()![Fenton]()![GemsNY]()![Faberge]()![Xupes]()![NOMOS Glashutte]()![Mobvoi]()![Gem Shopping Network]()![James Allen]()![Fenton]()![GemsNY]()![Faberge]()![Xupes]()![NOMOS Glashutte]()![Mobvoi]()![Gem Shopping Network]()![James Allen]()![Fenton]()![GemsNY]()![Faberge]()![Xupes]()![NOMOS Glashutte]()![Mobvoi]()![Gem Shopping Network]()![James Allen]()![Fenton]()![GemsNY]()![Faberge]()![Xupes]()![NOMOS Glashutte]() ![]() ## Frequently Asked Questions ## Is Buy Now Pay Later for luxury brands the future of shopping? ### How do luxury brands attract new customers? When it comes to financing high end shopping, whether online purchases or in store, shoppers typically are required to make the complete payment before they leave the store. Enter buy now pay later, BNPL for short, payment options. ### Considerations for implementing BNPL options in a luxury store Buy Now Pay Later is an alternative payment option that allows shoppers to make a purchase and pay for it over time in monthly payments, usually with zero interest. This is highly convenient for those running a high end store who want to provide other payment options for large purchases. When it comes to luxury shopping, one Gucci item could become a large purchase, for example. Whether with in-store or online shopping, financing your love for big brands can be tricky. There are different types of BNPL or installment options that you need to consider: 1. **Traditional BNPL** – These are third-party lenders, such as Klarna or ZIP, that offer loans at the point of purchase allowing shoppers to split their payment into typically 3 or 4 installments. Customers must apply for the loan through a third-party app, and upon approval, they complete the checkout process on the merchant’s website. Loan amounts are often capped, or they may incur interest charges, making these options more appropriate for lower-value goods and services. Many of these services also charge late fees if consumers miss a payment. 2. **Card-linked Installments** – Solutions like Splitit allow customers to use their existing credit card to divide their purchase into smaller payments. This option requires no application, redirects to third-party websites, or added interest and no late fees. Shoppers simply enter their credit card details and choose the number of installments that fit their budget, typically ranging from 3 to 12 payments. The purchase amount is only limited by the shopper’s credit card limit, offering greater flexibility. ### Buy now pay in-store using monthly installments for luxury brands Installment payments services can be used in a luxury store to encourage more customers to shop. Indeed credit card-linked installment options provide customers with a different solution to finance their next purchase without worrying about hidden fees, late fees, or their credit score. This essentially increases access to brands like Gucci, Vestiaire Collective, or Faberge, for example, that would otherwise be too expensive. ## What are the benefits of a pay later platform for a high end store? Why does every store that sells luxury brands need card-linked installment services at checkout? The days when only the most wealthy customers could shop for luxury products are long gone. ### Transform luxury shopping one store at a time Card-linked Installment payments start a new era in the luxury store sector where a larger audience group can access luxury and define style from their first order. So, if you implement a card-linked installment solution, you can expect to increase sales in your store. ### You don’t change prices in your store, you make it easier to pay in store Your luxury store doesn’t need to compromise on costs. Aspirational customers might not otherwise be able to afford luxury products without a payment installment option. This helps to increase brand equity without eroding the prestige of the store. BNPL services are particularly significant for Gen Z, who prefer its convenience. ### Your store gets paid the same When you sign up for a buy now pay later or a card-linked installment service, the technology provider typically pays for the purchase at your store, whether online or offline, at the time of checkout. The service provider, on the other hand, will be paid based on the agreed payment plan, whether two, three, four installments or more. ### You don’t compromise on your brand equity With white-label installment providers like Splitit, you can maintain a clean and uncluttered website and checkout experience, free from additional logos. Additionally, you retain full control over the customer journey and their data, as there are no third-party apps or sign-up processes involved. ### Card-linked installments provide a more responsible finance options for customers in your store Why does someone decide not to shop for luxury items? Because they are trying to manage their money. But enabling them to pay later at your store, without having to take out a new loan to afford the purchase, means they are more likely to shop for luxury products without putting their cash at risk. The bottom line: The right kind of BNPL option can attract more people to your store. ### More rewards for your customers and greater loyalty for your store Customers enjoy using their credit cards to earn rewards and perks. By offering them the option to split payments into manageable installments while still earning credit card rewards, you can boost customer satisfaction. This satisfaction often translates into increased loyalty and repeat visits to your store.### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # United States – English ## RETAIL INSTALLMENT CONTRACT ### TERMS & CONDITIONS We are a retailer of goods or services that you are seeking to purchase (“ **us**“, “ **our**”, “ **we**” or **“Merchant”**).  This Retail Installment Contract Terms & Conditions (“ **Agreement**”) is between us and you, the cardholder, who is making the purchase (“ **Buyer**”, “ **you**“, “ **your**”). These terms are in addition to our normal terms of business, including our Return Policy. By choosing to make this purchase using installments, you agree to be bound by this agreement. These additional terms for payment by installment apply when you select the option of paying for your purchase by installments, using a payment card issued by a credit card issuer (“ **Issuer**”). In order to process card payments by installment, we are using a third party technology service provided by Splitit USA Inc. (“ **Splitit**” or “ **Service Provider**”), but you have not entered into an agreement with Splitit. **How it Works**. By selecting the “Splitit” payment option at the checkout page, you authorize us to put a hold on your payment card for the Total Sale Price (as defined below under Authorizations), however we will only charge the eligible card provided to us over time in the number of payments and amounts that you selected at checkout (we call these payments “ **Installments**“). The date and amount of each Installment is shown at checkout before you complete your purchase and a complete record is emailed to you immediately after you complete your purchase.  We will charge the initial payment to your card when your order is completed (or later, if shipment is later, in accordance with the payment schedule).  Each subsequent Installment is charged monthly, on the dates shown in the payment schedule presented to you at checkout, until the entire amount due under this Agreement is paid. As further described under the Authorizations section, your credit card is eligible if there is available credit (or balance, in the case of a debit card) to support an Authorization for the Total Sale Price and you are authorized to use the payment card to make the transaction. **If we are not able to renew an authorization for the amount you owe by your next Installment due date we may charge your card for the Total Sale Price, less the amount of any Installments you have already paid** Neither we nor Splitit impose any interest or additional charges on you for selecting this payment option. However, we are required by law to warn you that you may have to pay other taxes or costs that are not imposed by us (such as internet charges, fees and interest imposed by the Issuer, or charges imposed by customs in your country).  **IN PARTICULAR, PLEASE NOTE, AS INSTALLMENT PAYMENTS ARE BEING CHARGED TO YOUR CARD, YOU MAY BE CHARGED INTEREST AND FEES OR OTHER CHARGES IMPOSED BY YOUR CARD ISSUER UNDER THEIR** **AGREEMENT WITH YOU. THIS COULD INCLUDE LATE PAYMENT FEES, OVERDRAFT FEES, PERIODIC INTEREST, OR OVER-THE-LIMIT FEES. YOU ARE SOLELY RESPONSIBLE FOR THESE FEES.** **Authorizations**. If you provide a credit card to make payments, we may obtain an authorization against your credit card for up to the total amount of your purchase (“ **Total Sale Price**”). An “authorization” means that the available credit on your credit card will be reduced by an amount, up to the Total Sale Price, in order to ensure you have sufficient available credit to make future payments. **You will likely not be able to use that amount of your credit line while the authorization remains in place, subject to rules imposed by your Issuer.**  Even if your Issuer does not restrict the available credit, you must ensure that you have enough available credit to cover the full outstanding amount owed under this Agreement for your purchase at all times. To ensure we retain a valid authorization against your credit card, we will renew the authorization periodically using the credit card details provided at the time of purchase (or a subsequent credit card you provide). The amount of each authorization will be reduced by Installments already paid. It may take up to 5 days for the amount of the authorization to be reduced after you make a payment. We will notify you by email approximately 24 hours before the authorization is renewed. If any authorization we seek to make against your credit card fails, we will contact you by email (using the email address you provided at checkout) to let you know. We may also contact you via SMS to the extent you have authorized us to do so.  We will also keep attempting to get approval for the authorization by submitting a request to you payment card periodically for up to 7 days.  You can provide us with a different eligible credit card to use for authorizations and Installments via the consumer portal, using the unique link we email to you when you enter into this Agreement (“ **Portal**“).  By providing a new credit card, you authorize us to obtain authorizations for the remaining amounts owed under this Agreement, as set forth in this Agreement, and you further authorize us to charge this updated credit card for outstanding Installments owed, when due under this Agreement. You also authorize us to charge or refund your credit card as necessary to correct any errors. **If we are not able to renew an authorization for the amount you owe under this Agreement by your next Installment due date, and you do not make an Installment payment by the due date (subject to any applicable grace period) or successfully authorize those amounts on another eligible  card, we may charge your credit card for the Total Sale Price, less the amount of any Installments you have already paid.** **THIS AGREEMENT INCLUDES AN ARBITRATION AGREEMENT.  IT WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE UNLESS YOU: (1) OPT OUT WITHIN 30 DAYS OF SIGNING THIS AGREEMENT; OR (2) ARE PROTECTED BY THE MILITARY LENDING ACT. YOU WILL NOT HAVE THE RIGHT TO A JURY TRIAL OR THE RIGHT TO PARTICIPATE IN A CLASS ACTION IN COURT OR IN ARBITRATION.** **Debit cards**. We may, but are not required to, allow you to use a debit card to complete your purchase. If you provide a debit card to pay Installments under this Agreement, a temporary hold may be placed against your debit card for the Total Sale Price at the time of purchase, but we will only charge your debit card for your first Installment payment at this time. The remaining amount of the authorization hold, if applicable, will be removed from your debit card in approximately 3 – 5 days after the date of your purchase, but processing times may vary depending on your bank. We will continue to charge your debit card, monthly, for the amount of each subsequent Installment, on each Installment date, until the entire amount due under this Agreement is paid. In the event that there are insufficient funds available on the debit card to pay any Installment, we will notify you. **If any payment attempt is unsuccessful or** **returned to us unpaid, we may retry the payment attempt up to two additional times, unless prohibited by law.** **Right to Stop Payment; Changing your Payment Method:** You have a right to stop payment on your selected credit or debit card by writing to our Service Provider by email at support@splitit.com, or by providing a new eligible card in the Portal.  You must tell our Service Provider in time for us to receive your request at least 3 business days before your next Installment due date. If you call, we may require you to confirm your request in writing within 14 days after your call. If your credit or debit card is replaced, cancelled, no longer valid, or you wish to use a different card, you must log on to the Portal and provide an eligible card at least 3 business days before your next Installment due date. We may not be able to process your request if we do not receive it in time. If you do not have sufficient available credit or available funds on the new card to process the authorization, we may not accept the card. It is your responsibility to ensure that, until the last Installment is paid, the card you present for payment at the time of purchase, or anytime thereafter, remains valid, is not cancelled, and has sufficient available balance or available credit to pay all Installments and to accept authorizations that may be made under this Agreement. **PAYMENT AUTHORIZATION** **: BY ACCEPTING THIS AGREEMENT, YOU AUTHORIZE US OR OUR SERVICE** **PROVIDER TO (1) AUTHORIZE YOUR SELECTED CARD FOR UP TO THE TOTAL SALE PRICE AS DESCRIBED ABOVE; (2) CHARGE YOUR SELECTED CARD FOR THE AMOUNT OF YOUR FIRST INSTALLMENT ON OR AFTER THE DATE OF THIS AGREEMENT; (3) CHARGE YOUR SELECTED CARD IN THE AMOUNT OF EACH INSTALLMENT ON EACH INSTALLMENT DUE DATE AS DESCRIBED IN YOUR TRUTH IN LENDING DISCLOSURES AND PAYMENT SCHEDULE; (4) CHARGE YOUR SELECTED CARD FOR THE TOTAL SALE PRICE LESS ANY INSTALLMENTS YOU HAVE ALREADY PAID (A) IN AN EVENT OF DEFAULT (SUBJECT TO ANY NOTICE AND CURE RIGHTS YOU MAY HAVE BY LAW) OR (B) IF YOU CANCEL THIS AGREEMENT AFTER THE TIME PERMITTED BY THIS** **AGREEMENT; AND (5) CHARGE YOUR SELECTED CARD AS NECESSARY TO CORRECT ANY ERRORS.  THIS PAYMENT AUTHORIZATION WILL REMAIN IN FULL FORCE AND EFFECT UNTIL ALL INSTALLMENTS ARE PAID IN FULL OR WE RECEIVE NOTICE THAT YOU REVOKE THIS AUTHORIZATION.** **Handling Card Payments and Notifications**. We use a third-party technology platform provided by Splitit to keep a record of payments you owe us and we use their platform to process authorizations and payments at the times we have agreed and to send notifications to you. You will see some of the emails say they are “powered by Splitit”. This should help you identify what payments we are contacting you about. **Returns**. You may return the goods to us as set forth in our Return Policy. **Cancellation**. You have the right to cancel this Agreement to pay for your purchase using Installments at any time, but once you cancel this Agreement, the Total Sale Price less any amounts already paid will become due in full. To request a cancellation, please contact our Service Provider by email at support@splitit.com or call 1 (844) 775-4848. **Default**. Subject to applicable law, which may require that we notify and/or give you a right to cure your default, we may declare you in default under this Agreement for any of the following reasons: (1) you fail to pay any Installment by the due date, and after any applicable grace period; (2) you violate any promise you make to us in this Agreement which significantly impairs your ability to pay or our ability to collect the amounts due under this Agreement; (3) you file for protection under the United States Bankruptcy Code, or become subject to a proceeding which seeks relief from debt; (4) you have made a false or misleading statement about an important matter in connection with this Agreement; (5) you revoke your consent to electronic communications; or (6) you die or become legally incompetent. **Consequences of Default**. If you are in default of this Agreement, we can require you to pay the remaining amount you owe us under this Agreement immediately, subject to any right you may have to notice of default and to cure such default.  We may seek payment of this amount by charging your credit or debit card pursuant to any authorization you provided us under this Agreement. If we refer this Agreement to an attorney who is not our salaried employee for collection, we may require you to pay our reasonable attorneys’ fees and expenses, to the extent permitted by applicable law. **Assignment**.You are hereby notified and agree that we may transfer, sell, or assign this Agreement, the Installments, or any associated rights, to a third party, including Splitit or one of its affiliates, without any further notification to you. If we do so, this Agreement will remain in effect and will be binding on and will inure to the benefit of our assign(s).  You may not transfer your rights under this Agreement and any attempt to do so will be void. **Governing law; Severability**. This Agreement (and our dealing prior to this Agreement being made) shall be governed by federal law, and to the extent not pre-empted, the laws of the state in which you purchased the goods and services; provided that you are entitled to the benefit of any mandatory consumer protection rules of the country of your primary residence. If any provision of this Agreement or portion thereof is held to be unenforceable, this determination will not affect the remainder of this Agreement. **Indemnity and Limitation of Liability**.  You agree to indemnify, defend, and hold us, our service providers, and our respective agents, officers, directors, employees and assigns (collectively, the “ **Indemnified Parties**”) harmless from and against any liability, including reasonable attorneys’ fees, related to this Agreement.  THE INDEMNIFIED PARTIES WILL NOT BE LIABLE FOR INDIRECT, SPECIAL, OR CONSEQUENTIAL DAMAGES REGARDLESS OF THE FORM OF ACTION AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.  IF WE FAIL TO STOP PAYMENT ON AN ITEM, OR PAY AN ITEM BEARING AN UNAUTHORIZED SIGNATURE, FORGED SIGNATURE, OR FORGED ENDORSEMENT OR ALTERATION, OUR LIABILITY, IF ANY, WILL BE LIMITED TO THE FACE AMOUNT OF THE ITEM.  The foregoing limitation of liability will not apply where expressly prohibited by the laws governing this Agreement. This _Limitation of Liability_ section will survive termination of this Agreement. **Arbitration Agreement**. We are always interested in resolving disputes, claims, or controversies (“ **Claim**”) amicably and efficiently, and most customer concerns can be resolved quickly and to the customer’s satisfaction by contacting us by email through our Service Provider at support@splitit.com or by mail at Splitit USA, Inc., 16 East 34th Street, New York, NY 10036. If such efforts prove unsuccessful, you and we agree that all disputes shall be resolved by binding arbitration on an individual basis. A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“ **Notice**”).  The Notice must (a) describe the nature and basis of the Claim and (b) set forth the specific relief sought. If you do not resolve the Claim with us or the Indemnified Party within 60 calendar days after the Notice is received, you, we or the Indemnified Party, as applicable, may commence an arbitration proceeding, as set forth in this section. Arbitration will be conducted by a neutral arbitrator in accordance with the AAA rules and procedures, including the AAA’s Consumer Arbitration Rules (collectively, the “ **AAA** **Rules**”), as modified by this Arbitration Agreement. The arbitrator must also follow the provisions of this Agreement as a court would. IF ANY PARTY COMMENCES ARBITRATION WITH RESPECT TO A CLAIM, NEITHER YOU, WE, OR THE INDEMNIFIED PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN PRE-ARBITRATION DISCOVERY, EXCEPT AS PROVIDED FOR IN THE APPLICABLE AAA RULES. FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO THAT CLAIM, AND YOU WILL HAVE ONLY THOSE RIGHTS THAT ARE AVAILABLE IN AN INDIVIDUAL ARBITRATION. THE ARBITRATOR’S DECISION SHALL BE FINAL AND BINDING ON ALL PARTIES, EXCEPT AS PROVIDED IN THE FEDERAL ARBITRATION ACT (the “ **FAA**”). Notwithstanding the foregoing, you and we retain the right to pursue in small claims court (or an equivalent state court) any dispute that is within that court’s jurisdiction, so long as the disputes remain in such court and advance only an individual claim for relief. If either you or we fail to submit to binding arbitration of an arbitrable dispute following lawful demand, the party so failing shall bear all costs and expenses incurred by the other in compelling arbitration. **RIGHT TO OPT OUT**: If you do not want this Arbitration Agreement to apply, you must notify us within 30 calendar days after you sign the Agreement. You must send the notice in writing to our Service Provider at support@splitit.com. You must provide your name, address and state that you “opt out” of the Arbitration Agreement. Opting out will not affect the other provisions of this Agreement. If you opt out, it will apply only to this Agreement and not any other agreement you may have with us. THIS ARBITRATION AGREEMENT DOES NOT APPLY TO YOU IF, AS OF THE DATE OF THIS AGREEMENT, YOU ARE A COVERED BORROWER UNDER THE FEDERAL MILITARY LENDING ACT. IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER YOU ARE COVERED BY THE MILITARY LENDING ACT, IN WHICH CASE THIS ARBITRATION PROVISION DOES NOT APPLY TO YOU, PLEASE CONTACT OUR SERVICE PROVIDER AT 1 (844) 775-4848. **Prohibition of Class and Representative Actions and Non-Individualized Relief**. YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST US OR INDEMNIFIED PARTY ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND THE INDEMNIFIED PARTY AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S), EXCEPT THAT YOU MAY PURSUE A CLAIM FOR AND THE ARBITRATOR MAY AWARD PUBLIC INJUNCTIVE RELIEF UNDER APPLICABLE LAW TO THE EXTENT REQUIRED FOR THE ENFORCEABILITY OF THIS PROVISION. **MILITARY LENDING ACT NOTICE**: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent.  This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any applicable fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive this information and a description of your payment obligation orally, please call 1 (844) 775-4848. **NOTICE**: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. **Using your information**. You will find a copy of our privacy policy on our website that you can review in connection with your purchase.  As Splitit handles our payment requests and instructions for us, they will handle your data and we will pass information between us.  You may obtain a copy of Splitit’s Privacy Policy by visiting their website at http://splitit.localsite/legals/splitit-privacy-policy/english/. We may share information about our transactions and interactions with you with Splitit and other affiliated companies. We may also share information about our transactions and interactions with unaffiliated third parties in connection with providing this service to you including fraud detection services. However, the law may permit you to instruct us not to share this information with certain third parties. If you do not want us to share this information, you must notify us in writing or by email through our Service Provider at: support@splitit.com.  If you email us a notification, you must include your name, address, and the last four digits of your card number used in this transaction so that such a request can be honored.  **_Do not include your full card details in this email_** **.** **Communications**. After completing your purchase, you will see some communications from us saying they are “powered by Splitit”. Splitit will send you an email following the completion of your purchase with details of how you can access information on your payments in a secure, password protected Portal.  You are responsible for obtaining and maintaining all telecommunications, mobile, broadband, computer, hardware, software, equipment and services needed to access information about this Agreement or your payment method; view, save and/or print your account documents online; receive any messages or documents you have consented to receive electronically pursuant to the Electronic Communications Disclosures and Consent, which is incorporated herein by reference; and for paying all related charges. Some of the communications between you and us or any of our affiliates, agents, assigns and service providers, may be monitored and recorded. By completing this transaction, you consent to this monitoring and recording and you further agree that we and our service providers may from time to time make calls and/or send text messages to you at any telephone number associated with your account, including wireless telephone numbers that could result in charges to you. The manner in which these calls or text messages are made to you may include, but is not limited to, the use of pre-recorded/artificial voice messages and/or automatic telephone dialing system. Your consent may be revoked at any time and by any reasonable means. You further agree that we or our service providers may send e-mails to you at any e-mail address you provide us or use other electronic means of communication to the extent permitted by law. We are not required to act on any instruction or message from you provided by fax, SMS/text, telephone voice mail, message service or answering machine. Whenever this Agreement or applicable law requires or allows you to give us written notice, we will not consider SMS/text or fax to be written notice. You must notify us promptly of any changes to your e-mail address, phone number, mailing address, or other contact information by using the Platform or by emailing our Service Provider at support@splitit.com. **Who to contact about this Agreement**. Occasionally, you may require additional assistance in connection with this Agreement (for example, replacing payment method, number of outstanding Installments, etc.).  You may obtain information about your Agreement, including your remaining Installments and your selected payment method through the Portal. You may also contact us through our Service Provider at support@splitit.com for support and information about this Agreement. If you have any questions about the goods and services you purchased under this Agreement,  please contact our customer services department through the information provided on our website. We clarify that we hired Splitit to provide certain services and you do not have any agreement with them.  Splitit cannot agree to any alternative arrangements other than to allow you to use a different card for the payment of any unpaid Instalments. In addition, Splitit does not have information regarding your relationship with the Issuer and accordingly cannot handle questions related to that arrangement. **State-Specific Disclosures**. If you are a resident of any of the following states or jurisdictions, the following provisions for your state will apply, and will supersede any conflicting provisions set forth in this Agreement: **_District of Columbia_**: We certify that the information contained in the Agreement complies with the District of Columbia Municipal Regulations, Title 16, Chapter 1, if applicable. **_Florida_**: Florida documentary stamp tax required by law has been paid or will be paid directly by us to the Department of Revenue. **_Hawaii_** _:_ This contract is covered by Hawaii’s credit sale law, and you have the rights of a buyer under that law. You also may have rights under other state and federal laws. **_Maryland_**: This Agreement will be governed by the laws of the State of Maryland. This Agreement shall be subject to the Credit Grantor Closed End Credit Provisions (Subtitle 10) of the Commercial Law Article of the Maryland Code. **_Arizona, Delaware, Maine, Minnesota, Nebraska, Ohio, Oklahoma, and Wyoming_**. No provisions in this Agreement providing for the payment of attorneys’ fees, court costs or collection costs by you shall apply. **_New Hampshire_**: If you prevail in any action involving this Agreement, we will pay your reasonable attorney’s fees.  If you successfully assert a partial defense or set-off, recoupment or counter-claim, the court may limit the fees we can recover. **_New Jersey_**: (1) The section headings of the Agreement are a table of contents and not contract terms. (2) You agree to pay reasonable attorney’s fees incurred by us in collecting any amount due and payable under this Agreement, in an amount not to exceed 20% of the first $500 owed and 10% of any amount owed in excess of $500, at the time this Agreement is referred to an attorney for collection who is not our salaried employee. (3) Provisions of this Agreement that refer to acts or practices that apply as permitted by, or except as prohibited by, applicable law are applicable to New Jersey residents only to the extent that such acts or practices are permitted by New Jersey or Federal law. **_Ohio_**: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. **_Pennsylvania_**: You agree that reasonable attorney’s fees and costs will be awarded to the prevailing party in any action on this Agreement, regardless of whether the action is instituted by us or you. **_Virginia_**: The service charge does not exceed 0% per annum, computed monthly. **_Wisconsin_**: No provision of a marital property agreement, a unilateral statement under Wis. Stat. Ann. §766.59 or a court decree under §786.70 adversely affects our interest unless we, prior to the time the credit is granted, are furnished a copy of the agreement, statement or decree or have actual knowledge of the adverse provision when the obligation to us is incurred. **ENTIRE AGREEMENT**. **Oral agreements or oral commitments to loan money, extend credit, or to forbear from** **enforcing repayment of a debt may not be enforceable under applicable law. To protect you (as the buyer) and us (as the seller) from misunderstanding or disappointment, you and we acknowledge and agree that this written** **Agreement is a final expression of the agreement between you and us, and this Agreement may not be contradicted by evidence of prior, contemporaneous, or subsequent oral agreements of the parties. The terms of this Agreement may not be changed except in a writing signed by you and us. No change shall release any party from liability unless otherwise expressly stated in writing.** **IMPORTANT: You acknowledge that you had a reasonable opportunity to examine these Installments Terms and Conditions; and that a legible and complete copy was delivered to you. Please notify us within thirty (30) days of the day you accept this Agreement if a complete copy is not delivered to you.** **NOTICE TO SHOPPER: (1) DO NOT APPROVE THIS AGREEMENT BEFORE YOU READ IT. (2) DO NOT APPROVE THIS AGREEMENT IF IT CONTAINS ANY BLANK SPACES. (3) YOU ARE ENTITLED TO AN EXACT COPY OF ANY AGREEMENT YOU SIGN. KEEP IT TO PROTECT YOUR LEGAL RIGHTS. (4) YOU HAVE THE RIGHT AT ANY TIME TO PAY IN ADVANCE THE REMAINING INSTALLMENTS DUE UNDER THIS AGREEMENT WITHOUT PENALTY.** Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=bcr7vs3s8ip1)Banks & Financial Institutions # Installments at checkout Increase “pay later” adoption rates with Splitit’s white-label installments at checkout. [Book a demo](https://www.splitit.com/partnerships/banks-and-financial-institutions/#contact-sales) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/e-commerce-installments-hero-947x1024.png) ## $3.5T credit unlocked Out of $4.5T credit issued on US cards, 80% is unutilized. Splitit unlocks $3.5T of credit and allows shoppers to split their payments using the credit they have already earned, without paying interest. ## 1.2bn approved customers Anyone with a credit card can use Splitit, anywhere in the world. With no applications, underwriting or SSN required, there is no friction at the checkout. ### $1000+ average order value With no arbitrary purchase limit, Splitit is perfect for high-ticket items. Customers can maximize their purchasing potential using their existing available credit, leading to higher transaction values. ## Introducing FI-PayLater Splitit provides the technology that empowers you to offer installment payments embedded within the checkout. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2025/01/banking-image-fipaylter.jpg) ### Unified API Standard Our unified merchant-facing API provides a single entry point for multiple installment programs, including eCommerce plugins and POS SDKs, streamlining integration and deployment. ### Branded checkout experience Enhance your brand visibility with an end-to-end checkout experience designed to optimize sales conversion while keeping your brand front and center. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/how-splitit-works-for-shoppers.png) ### One-click installments Facilitate easier purchases with one-click installment selection at checkout, complete with customizable preferences for plan duration to suit varying consumer needs. ### Flexible funding options Choose from flexible funding options where either you or Splitit can pre-fund merchants, and collect the installments from the shopper. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/how-it-works-installment-plan.jpg) A new way of thinking ## Card-linked installments We understand the delicate balance that banks and financial institutions strive to maintain between fostering card usage and preserving valuable issuer-consumer relationships. Splitits’ card-linked model does not cannibalize card spend and does not disintermediate the issuer-consumer relationship through its own brand and platform. [Book a demo](https://www.splitit.com/partnerships/banks-and-financial-institutions/#contact-sales) Pay now$2,500Pay in 3$833.33Pay in 9$277.78$2,500Or from $416.66/moLearn more ### White-label installments give merchants full control of the user journey Merchant benefits ##### Increase transaction values There’s no arbitrary purchase limit, customers can maximize their purchasing potential using their existing available credit. ##### Build lasting loyalty We do not collect shopper data for marketing purposes nor do we share data with third parties. ##### Drive more conversions Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. ### The only installment payment solution that allows shoppers to use their existing credit card at checkout Shopper benefits ##### No additional interest or fees\* Splitit will never charge customers interest or fees. (Standard credit cards T&Cs still apply). \*Standard credit card T&Cs still apply ##### No new loans Customers use the credit they have already earned. All they need is the balance available on their credit card. ##### Keep the rewards coming Customers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud. ### Preserving valuable issuer-consumer relationships Issuer benefits ##### Be present in the checkout 66% of consumers want to know about installment offers before deciding what to buy. Post purchase installments are too late! ##### Retain cardholders Long-Term installment plans that keep cards active and provide a financing alternative for revolvers, preventing “Card Hopping”. ##### Drive incremental card spend A better alternative to legacy BNPL where 70-80% of settlements are conducted via debit/directbank transfer. ## Benefits of card-linked installments Splitit’s card-linked installments offer a cutting-edge payment solution directly at checkout, eliminating the need for applications or registrations post purchase. Our innovative approach caters to a broader range of shoppers, and boosts transaction volumes by offering immediate, flexible payment options at the point of sale. ### Feature ### Card-linked installments ### Post-purchase installments Available at checkoutNo application or registrationEnhanced customer engagementIncreased transaction volumeCater to a broader range of shoppersPersonalized offerings at checkout ![Fallback image]() Scale with ease ## The easiest pay-later option to adopt A single global API and an extensive network of partnerships makes Splitit’s Installment-as-a-Service the easiest pay-later option to adopt, integrate and operate across all consumer touch points. #### 100+ countries #### 100+ currencies #### Multiple networks ![Google]()![James Allen]()![Canyon]()![Nectar]()![Vestiare Collective]()![AliExpress]()![Byte]()![Gem Shopping Network]()![Ableton]()![Google]()![James Allen]()![Canyon]()![Nectar]()![Vestiare Collective]()![AliExpress]()![Byte]()![Gem Shopping Network]()![Ableton]()![Google]()![James Allen]()![Canyon]()![Nectar]()![Vestiare Collective]()![AliExpress]()![Byte]()![Gem Shopping Network]()![Ableton]()![Google]()![James Allen]()![Canyon]()![Nectar]()![Vestiare Collective]()![AliExpress]()![Byte]()![Gem Shopping Network]()![Ableton]() ![]()# Rubeza benefits from reduced cart abandonment rates 30% conversion rate +30% average order value -6% cart abandonment ![](https://www.splitit.com/wp-content/uploads/2024/10/rubeza-with-logo.jpg) “ “Splitit has definitely increased our sales and our customers’ confidence when buying. I highly recommend them to any retailer, small or large.” ![](https://www.splitit.com/wp-content/uploads/2022/01/rubeza-splitit-bathroom-768x549-1.jpg) ## Can you tell us about your company Rubeza? Rubeza is a high quality furniture store located in the UK. Grounded with a sense of luxury, our sofas are the perfect solution for those looking to add a touch of sophistication to their living space. Whether it’s a practical solution our shoppers are looking for, or something extravagant, Rubeza has it covered! We are also capable of creating new designer items for people interested in custom pieces. ![](https://www.splitit.com/wp-content/uploads/2022/01/rubeza-splitit-bedroom.jpg) ## What made you look for an installment payment solution and why did you choose Splitit? Selling high ticket items, like we do here at Rubeza, comes with financing requests from customers. People want to buy our products because they are unique and beautiful, however the price tag can be a barrier. We need to help our customers be able to afford our products, otherwise they simply won’t buy. A major point of frustration for us came from our cart abandonment rates. We searched endlessly for a solution – spending hours on sales calls, sending emails back and forth to interested shoppers, constantly changing and adjusting our sales approach, and targeting different audiences. It felt like no matter what we did, nothing brought our numbers down and people kept backing out at the last minute. We needed to find a solution that really worked. We heard about Splitit through a friend who was successfully offering their solution in his own company. After reviewing all they had to offer, we decided to give Splitit a try. The results exceeded our expectations. Splitit seemed to do the work for us. Instead of customers paying the whole amount at checkout, they were now able to spread their payments over 12 months interest free. It seemed to relieve the pressure and allowed them to feel more confident in their purchase. All of a sudden our cart abandonment rate dropped and we saw an increase in sales, in particular with first time home owners, students and millennials. With no additional fees or interest, no applications and overall simple checkout process, Splitit appealed to many of our customers, providing an easy and affordable way to purchase luxury items without breaking the bank. ![](https://www.splitit.com/wp-content/uploads/2022/01/rubeza-splitit-2-768x668-1.jpg) ## How has Splitit helped grow your business? Once we had decided to offer Splitit to our own customers, we started to see success right away. Our conversion rate has increased 30%, our average order values are up 30%, and our order volume is up 10%. As mentioned before, we have seen a decrease of 6% in our cart abandonment rate, and we plan on incorporating Splitit into our email campaign to decrease this even further. Another success point came after actively promoting Splitit installment plans on social media. We saw an uptick in the share of Splitit sales, which increased from 10% to 12%. Splitit improves our profitability and their installment plans will help make us a more prominent company. It is also important to note that the onboarding process was really simple, and we always hear positive feedback about Splitit from our team and customers. ## Want to find out how Splitit can help your business grow like Rubeza? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=ln5xjxmwcov1)Banks & Financial Institutions # Installments at checkout Increase “pay later” adoption rates with Splitit’s white-label installments at checkout. [Book a demo](https://www.splitit.com/partnerships/banks-and-financial-institutions/#contact-sales) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/e-commerce-installments-hero-947x1024.png) ## $3.5T credit unlocked Out of $4.5T credit issued on US cards, 80% is unutilized. Splitit unlocks $3.5T of credit and allows shoppers to split their payments using the credit they have already earned, without paying interest. ## 1.2bn approved customers Anyone with a credit card can use Splitit, anywhere in the world. With no applications, underwriting or SSN required, there is no friction at the checkout. ### $1000+ average order value With no arbitrary purchase limit, Splitit is perfect for high-ticket items. Customers can maximize their purchasing potential using their existing available credit, leading to higher transaction values. ## Introducing FI-PayLater Splitit provides the technology that empowers you to offer installment payments embedded within the checkout. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2025/01/banking-image-fipaylter.jpg) ### Unified API Standard Our unified merchant-facing API provides a single entry point for multiple installment programs, including eCommerce plugins and POS SDKs, streamlining integration and deployment. ### Branded checkout experience Enhance your brand visibility with an end-to-end checkout experience designed to optimize sales conversion while keeping your brand front and center. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/10/how-splitit-works-for-shoppers.png) ### One-click installments Facilitate easier purchases with one-click installment selection at checkout, complete with customizable preferences for plan duration to suit varying consumer needs. ### Flexible funding options Choose from flexible funding options where either you or Splitit can pre-fund merchants, and collect the installments from the shopper. ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/how-it-works-installment-plan.jpg) A new way of thinking ## Card-linked installments We understand the delicate balance that banks and financial institutions strive to maintain between fostering card usage and preserving valuable issuer-consumer relationships. Splitits’ card-linked model does not cannibalize card spend and does not disintermediate the issuer-consumer relationship through its own brand and platform. [Book a demo](https://www.splitit.com/partnerships/banks-and-financial-institutions/#contact-sales) Pay now$2,500Pay in 3$833.33Pay in 9$277.78$2,500Or from $416.66/moLearn more ### White-label installments give merchants full control of the user journey Merchant benefits ##### Increase transaction values There’s no arbitrary purchase limit, customers can maximize their purchasing potential using their existing available credit. ##### Build lasting loyalty We do not collect shopper data for marketing purposes nor do we share data with third parties. ##### Drive more conversions Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. ### The only installment payment solution that allows shoppers to use their existing credit card at checkout Shopper benefits ##### No additional interest or fees\* Splitit will never charge customers interest or fees. (Standard credit cards T&Cs still apply). \*Standard credit card T&Cs still apply ##### No new loans Customers use the credit they have already earned. All they need is the balance available on their credit card. ##### Keep the rewards coming Customers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud. ### Preserving valuable issuer-consumer relationships Issuer benefits ##### Be present in the checkout 66% of consumers want to know about installment offers before deciding what to buy. Post purchase installments are too late! ##### Retain cardholders Long-Term installment plans that keep cards active and provide a financing alternative for revolvers, preventing “Card Hopping”. ##### Drive incremental card spend A better alternative to legacy BNPL where 70-80% of settlements are conducted via debit/directbank transfer. ## Benefits of card-linked installments Splitit’s card-linked installments offer a cutting-edge payment solution directly at checkout, eliminating the need for applications or registrations post purchase. Our innovative approach caters to a broader range of shoppers, and boosts transaction volumes by offering immediate, flexible payment options at the point of sale. ### Feature ### Card-linked installments ### Post-purchase installments Available at checkoutNo application or registrationEnhanced customer engagementIncreased transaction volumeCater to a broader range of shoppersPersonalized offerings at checkout ![Fallback image]() Scale with ease ## The easiest pay-later option to adopt A single global API and an extensive network of partnerships makes Splitit’s Installment-as-a-Service the easiest pay-later option to adopt, integrate and operate across all consumer touch points. #### 100+ countries #### 100+ currencies #### Multiple networks ![Google]()![James Allen]()![Canyon]()![Nectar]()![Vestiare Collective]()![AliExpress]()![Byte]()![Gem Shopping Network]()![Ableton]()![Google]()![James Allen]()![Canyon]()![Nectar]()![Vestiare Collective]()![AliExpress]()![Byte]()![Gem Shopping Network]()![Ableton]()![Google]()![James Allen]()![Canyon]()![Nectar]()![Vestiare Collective]()![AliExpress]()![Byte]()![Gem Shopping Network]()![Ableton]()![Google]()![James Allen]()![Canyon]()![Nectar]()![Vestiare Collective]()![AliExpress]()![Byte]()![Gem Shopping Network]()![Ableton]() ![]()# The perfect match +28% increase in average order value -16% cart abandonment ![](https://www.splitit.com/wp-content/uploads/2024/10/fenton-ss.jpg) Introduction ## Fenton is a UK-based creator and purveyor of unique, bespoke jewellery using colored gemstones. The fine jewellery start-up launched in 2019, but the aura of the business feels much older—in a new way. Founder Laura Lambert wants it that way by design. She has skilfully combined the elements of ecommerce and digital tech with age-old customer relationship building and an at-your-service concierge approach Think old-school mom-and-pop meets The Jetsons. Maybe that’s why Splitit fits so nicely into Fenton’s business model. In this case study, we’ll share the thoughts of Fenton’s COO Jerome Brustlein to take you on a journey of how Fenton leveraged the simplicity of the Splitit checkout process to drive sales and reduce cart abandonment while delivering exceptional customer experiences. **Here’s how Splitit helped Fenton:** ![](https://www.splitit.com/wp-content/uploads/2022/01/extra-ring-earrings.jpg) ## The problem Fenton’s primarily serves its customers online but also has a showroom in London. Through its virtual jewelry-making experience, Fenton invites online shoppers to choose every aspect of their ring, making it a detailed process. Whether in-store or online, Fenton offers a personal concierge to help them through the process from beginning to end. “It’s a matter of trust,” says Fenton COO Jerome Brustlein of the relationships the business forms with its customers. “It’s a matter of credibility. It’s a matter of ensuring a certain level of service.” These luxury pieces are high-dollar, high-emotion purchases commonly made by those engaged to be married or seeking a ring or other jewelry as a symbol of celebration or commitment. The average price of a ring is roughly £2,300 ($3,166), and about 25% of shoppers will at some point ask about financing options when speaking with Fenton’s concierge staff. Brustlein knew the importance of securing a payment solution aligned with Fenton’s commitment to offering a transparent, trustworthy and personalized shopping experience. It had to be the right match. “ “As we think about international expansion, Splitit gives us a turnkey financing solution.” **Jerome Brustlein** COO, Fenton ![](https://www.splitit.com/wp-content/uploads/2022/01/phoneimage-showroom.jpg) ### The solution “Unless they bought a car or a house, this will probably be the biggest ticket item they purchase in their lifetime,” says Brustlein about buying their unique bespoke rings. “So, financing ease is paramount to a lot of customers.” Fenton answered that need sustainably—a way that keeps customers from going into debt just to realize the dream of having heirloom jewellery. After much research, they chose Splitit as a buy now pay later service provider going live in January 2020. It is one of three financing options offered to provide flexibility of choice for shoppers. **Initially, they chose Splitit for several reasons:** - The hands-on, customer-centered approach of Splitit - The ease of front-end integration with Fenton online - It didn’t require Fenton to become a credit broker - It provides a turnkey, global solution - The simple, straightforward checkout process for shoppers - How it leverages a shopper’s existing credit - The elimination of credit checks and an application/approval process - The flexibility for customers to choose how they pay over time Fenton also uses Splitit Instore in its London shop, but even with the right solution in place, it took some work to help people understand how to use it and why it was beneficial. Fenton chose to do a co-marketing campaign with Splitit in Q2 of 2020 to evangelize the benefits: frictionless checkout, flexibility to pay over time, no fees and no credit checks or applications. They targeted ideal online customer hangouts: Facebook, Instagram, Pinterest and Google. They used joint ads to paint the picture of how Splitit could help their shoppers buy more intelligently while exercising choice. ![](https://www.splitit.com/wp-content/uploads/2022/01/thesolution-Bestseller_ring.jpg) ### The results “The campaign was a rushing success,” says Brustlein. Immediately, shoppers began to use Splitit more. In fact, they began using it four times more than in previous quarters. Before the campaign, 3% of customers used Splitit at checkout. Now, they average 8 to 9%, and this is in the context of realizing a 50% quarter-on-quarter jump of absolute sales growth for the business. The total MSV (merchant sales volume) from Splitit-processed sales shot up quickly and has increased over time. Fenton matched the total MSV of 2020 in under six months in 2021—a 210% increase over the previous year with six months still to go. The AOV (average order value) had increased 28% over last year when launching Splitit on the site, and cart abandonment is down 16%. But the numbers only tell half the story. Fenton is impressed with the culture of Splitit and how responsive the team has been. “As a retailer, the fact that you have a dedicated account manager. You have someone to bounce off \[ideas\]…it’s different,” says Brustlein. Splitit offers a white-glove approach to serving its clients, just like Fenton. As a result, both sides are getting to know each other on a level that drives better business and better experiences. As Fenton begins to dip its toes into international expansion, Splitit is already set up to sell to customers outside the UK. Other BNPL options they researched were limited to the UK or required a bank account in the country where their customers reside. For example, a recent purchase for a £10,000 ruby from a customer in Australia might not have happened without Splitit. “As we think about international expansion, it gives us a turnkey financing solution,” says Brustlein of Splitit. “And that plays a big difference. That definitely plays a big role.” Fenton and Splitit are partnering up for another campaign in the coming quarter focused on a new loyalty program. The bottom line? Customers are coming back for more jewelry. They want matching earrings and necklaces for existing rings. They want new pieces to celebrate anniversaries and other milestones. The comfort level with this new luxury brand is growing. That’s all any retailer can ask for, and Splitit is helping answer the call. Take time to browse Fenton’s process for [making a bespoke ring](https://fentonand.co/pages/bespoke). ## Want to find out how Splitit can help your business grow like Fenton? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=kcbme7rjq6w)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # **PLATFORM AGREEMENT** _Last Updated: September 2023_ PLEASE READ THIS PLATFORM AGREEMENT CAREFULLY. BY ACCESSING THE SPLITIT WEBSITE, USING THE SPLITIT SERVICES OR THE SPLITIT PLATFORM, YOU AGREE TO BE BOUND BY THE (1) PLATFORM AGREEMENT, (2) [SPLITIT PRIVACY POLICY AND PRIVACY NOTICE](http://splitit.localsite/legals/splitit-privacy-policy/english/) AND (3) [DATA PROTECTION ADDENDUM](http://splitit.localsite/legals/data-protection-addendum/). YOU SHOULD RETAIN A COPY OF THIS PLATFORM AGREEMENT FOR YOUR RECORDS. ## 1\. THE PLATFORM AGREEMENT 1.1 This Platform Agreement (“ **Platform Agreement**”) is a contract between the merchant identified in the Merchant Application (“ **you**”, “ **yours**”, “ **your**” or “ **Merchant**”) and Splitit UK Limited (“ **we**,” “ **us**,” “ **our**” or “ **Splitit**”) (together, “ **The Parties**”). 1.2 This Platform Agreement governs your engagement with Splitit (the **“Splitit Services”**), whereby we provide you with a proprietary technology solution for instalment payment processing (“ **Splitit Platform**”). The Splitit Platform allows you to enter into a retail instalment sales contract (“ **Instalment Agreement**”) with your shoppers (each a **“Customer”**), under which you sell Customers goods and services, and the Customer agrees to pay you for such goods and services by instalment payments (“ **Instalments**”) which are processed through your card processor (each such transaction, a “ **Splitit Transaction**”). 1.3 Splitit may make changes to this Platform Agreement from time to time, provided, however, that such changes will not impose additional obligations on you unless you agree to such changes. Splitit will inform you via email and/or your merchant portal of any material changes to the Platform Agreement. Changes to the Platform Agreement can be found on our website at [www.splitit.com](http://splitit.localsite/) which Merchant should review from time to time. BY USING THE SPLITIT SERVICES AND SPLITIT PLATFORM AFTER ANY SUCH CHANGES HAVE BEEN POSTED TO THE SPLITIT WEBSITE YOU AGREE TO ACCEPT ANY CHANGES TO THIS PLATFORM AGREEMENT INCLUDING ANY ADDITIONAL OBLIGATIONS THEREIN. ## 2\. SERVICES WE PROVIDE TO YOU **2.1 Instalment Processing** **(a) Splitit Platform**. The Splitit Platform allows you to obtain an authorisation for the total remaining outstanding balance of the Splitit Transaction (“ **Authorisation**”) using the available credit or available balance on your Customer’s payments card. The payments card must be a type that utilises a card network supported by the Splitit Platform (the “ **Card Networks**”). The Splitit Platform periodically issues new Authorisations on your behalf for the remaining balance, less each paid Instalment. You may also choose to authorise Splitit Transactions without issuing Authorisations and instead collect payments by charging the payment card for the amount of the Instalment on or around each Instalment due date. **(b) Timing of Authorisations**. The Splitit Platform will begin obtaining Authorisations on Customer’s cards on your behalf at the time of purchase, unless otherwise agreed with Splitit. Unless you notify us otherwise, we will capture the first Instalment within three days of purchase. Merchant represents and warrants that all goods and services purchased by your Customer using a Splitit Transaction will have been shipped, delivered, or provided within this time frame. If you have reason to believe this may not be the case, you shall notify the Splitit customer success team immediately, via email to [success@splitit.com](mailto:success@splitit.com). **2.2 Customer Journey**. Splitit shall provide you with customer journey marketing assets, which may change from time to time, in connection with the Splitit Services and provide guidance on the best placement of these assets for maximum impact and conversion with your shoppers. Merchant hereby agrees to reasonably comply with the placement of the customer journey assets and guidelines. We may agree with you from time to time on additional promotional activities, through your website or otherwise.  In no circumstance should any marketing assets suggest that Splitit is entering into, or responsible for, the Instalment Agreement with the Customer and it should be made clear to the Customer that Splitit is only operating the Splitit platform to facilitate payment by way of instalment. **2.3 Customer Consent**. For each Splitit Transaction, you must ensure that your Customer accepts and approves the [Consumer Terms of Service](http://splitit.localsite/legals/splitit-shopper-terms-conditions/english/) (“ **Customer Forms**”). By accepting and approving the Customer Forms, the Customer consents to the Authorisation and capture of the full Splitit Transaction amount, the number and schedule of Instalments, the amount captured in each Instalment, and any other terms set forth therein. You will have no right to amend, vary or supplement the terms of the Customer Forms, without prior written consent from Splitit, at any time, as those terms apply to each of your customers in respect of each Splitit Transaction and, in addition to your own standard trading terms for the supply of goods or services, the Customer Forms shall be the only terms between you and the customer in respect of each Splitit Transaction. **2.4 Customer Forms**. You understand that the Consumer Terms of Service and other Customer Forms are contracts entered into between the Merchant and the Customer.  Merchant is solely responsible for fulfilling any and all obligations of such Customer Forms, and agrees to comply with all applicable laws governing such Customer Forms and the Splitit Transactions to which they pertain. Splitit is not a party to the Customer Forms and disclaims all responsibility for Merchant’s compliance with the Customer Forms. **2.5 Splitit Platform Service and Maintenance**. You will promptly notify us of, and assist us in diagnosing, any failure or other impediment to your use of the Splitit Platform, whereupon we will use commercially reasonable efforts to repair the failure or otherwise arrange for the necessary maintenance. ## 3\. FEES AND PAYMENT TERMS **3.1 Customer Fees and Expenses**. Each party agrees that it will never charge Customers any time-price differential, interest rate on outstanding transaction amounts, fees (including, but not limited to, service fees, late fees, credit card surcharges and convenience fees), or penalties in connection with Splitit Transactions. **3.2 Fee Schedule**. The Merchant agrees to pay Splitit the fees set forth in the Merchant Application or as otherwise agreed with Splitit (the “ **Fee Schedule**”) in connection with each Splitit Transaction, which is incorporated by reference into this Platform Agreement (the “ **Fees**”). Value added tax or any similar taxes required by law in connection with the Splitit Services shall be in addition to the Fees agreed in the Fee Schedule. Fees shall be due on the date each Splitit Transaction is created and are payable in accordance with the terms of this Platform Agreement. We reserve the right to modify the Fee Schedule at any time by providing thirty (30) days prior written notice. **3.3 Payment Terms**. Merchant hereby authorises Splitit or its service provider to make regularly scheduled charges from Merchant’s checking account or other accepted payment method identified by the Merchant (“ **Merchant Account**”) for all Fees and other amounts owed to Splitit under this Platform Agreement. Fees will be payable monthly in arrears, subject to rights of setoff contained herein, including in connection with chargebacks and refunds. Merchant understands that the payment may be charged to the Merchant Account as soon as the transaction is initiated by Splitit on each payment date. Merchant understands and agrees that Splitit may not provide prior notice of each transaction unless required by law. In the event any Merchant Account payment charge or transaction is rejected for insufficient funds (NSF) or any other reason, Merchant understands that Splitit may, at its discretion, retry the transaction, unless prohibited by law.  Merchant agrees that Splitit may charge a $30.00 fee each time a transaction or attempt is returned unpaid, and authorises Splitit to collect that fee by initiating an additional charge to the Merchant Account for the amount of the fee, on or after the date the fee is incurred. Merchant understands that this authorisation will remain in effect until Merchant cancels it in writing, and Merchant agrees to notify Splitit in writing of any changes in the Merchant Account information or termination of this authorisation at least 15 days prior to the next payment due date. If you terminate this authorisation, Splitit may require you to authorise payments using another Merchant Account. If any payment date falls on a weekend or holiday, Merchant understands and agrees that payments may be executed on the next business day. **3.4 Non-Payment of Fees**. Any Fees, or other amounts you owe us under this Platform Agreement, which are not paid within thirty (30) days may be subject to interest and late fees, starting as of the date the payment of each such amount was due, until all such Fees are paid in full. Notwithstanding the foregoing, we reserve the right, in our sole discretion, to suspend or cancel your service if any Fees remain unpaid for more than five (5) business days after the payment due date. ## 4\. REFUNDS; CHARGEBACKS; AND FRAUD **4.1 Refunds**. If you agree to issue any Customer a refund, you must notify us immediately and Splitit will cancel the remaining Instalments under the Splitit Transaction and reasonably cooperate with you and your processor, gateway, and acquirer to facilitate such refund. If you notify us of a partial refund, we will update the Authorisation in the Splitit Platform accordingly. Notwithstanding anything herein to the contrary, Merchant hereby agrees that Merchant shall be liable to Splitit for any refund initiated by Merchant’s Customers, for any reason, and Merchant shall indemnify and hold Splitit harmless for any damage, loss, cost or liability relating to, or resulting from, any such refund. **4.2 Chargebacks**. Although the Splitit Services can be used to obtain Authorisations for the full amount of the Splitit Transaction, this does not guarantee actual payment, and the full Splitit Transaction, or any single Instalment, may be returned or charged back to the Merchant, like any other payment card transaction. In the event of a chargeback, Merchant hereby agrees to promptly resolve the chargeback with Merchant’s processor and notify Splitit within seven (7) days of (i) any chargebacks and (ii) when any chargeback is resolved, including the resolution of such chargeback. Notification may be via the merchant portal, files or webhooks implemented during implementation. If we receive notice of any such chargeback, we will notify you accordingly and reserve the right to terminate the Authorization and the Splitit Transaction. Notwithstanding anything herein to the contrary, you shall be liable to us for any chargeback initiated by your Customers, for any reason, and you shall indemnify and hold Splitit harmless for any damage, loss, cost or liability relating to, or resulting from, any such chargeback. **4.3 Effect of Fraud, Disputes, and Chargebacks**. In the event of any fraud, dispute or chargeback Splitit may be unable to maintain Authorisations on the affected Splitit Transactions during the chargeback processing or the Processor or card issuer may cancel or terminate an authorization or block a capture against an Authorization. In each such case, Splitit cannot guarantee processing of the remaining Instalments and Splitit takes no liability for Customer payments in connection with fraud, dispute or chargebacks. **4.4** You shall be responsible for all Fees incurred from the date of the Splitit Transaction, which are non-refundable, and shall be considered fully earned by Splitit on the date of the Splitit Transaction, irrespective of whether such transactions are identified as a refund, chargeback, or fraudulent or any other type of transaction. **4.5 Anti-Fraud**. Merchant represents that it has employed risk monitoring and fraud detection practices that a reasonable person would employ in e-commerce. Merchant hereby agrees that Merchant bears sole responsibility for any fraudulent activities associated with Splitit Transactions and, for the avoidance of doubt, Splitit has no liability for any such fraudulent activities. Notwithstanding the foregoing, we may, at our discretion, employ fraud detection technologies or other preventive tools in connection with the Splitit Services, which are designed to provide us with increased transaction screening and fraud detection capabilities. **4.6 Outstanding Amounts**. Except as otherwise provided herein, in any event in which you are unable to collect an amount owed to you by a Customer, which is the direct result of a failure by the Splitit Platform to issue an Authorisation, to issue a new Authorization, or to capture an Instalment against an existing Authorisation, we will be responsible for paying you the outstanding Authorisation amount; _provided however_, that (i) each of Merchant and Processor has fully integrated the Splitit Platform in accordance with all written instructions and developers tools provided by Splitit, as may be updated from time to time,(ii) goods and services have been delivered or rendered as agreed between Merchant and Customer, (iii) transaction and shopper is not determined to be fraudulent, in Splitit’s sole discretion, (iv) Merchant, sub-merchant or affiliates are not determined to be fraudulent, in Splitit’s sole discretion, (v) Merchant has reconciled settled amounts from the Processor in accordance with industry best practices and (vi) Merchant has notified Splitit of any failure event within 30 days of the beginning of such failure event. ## 5\. FINANCIAL AND OTHER INFORMATION; PROTECTIVE ACTIONS **5.1 Financial and Other Information** **(a) Financial Records**. You shall immediately provide Splitit with all financial information reasonably requested by or on behalf of Splitit necessary to process your Application, in connection with a periodic review of your account with us, and to collect any amounts you owe us under this Platform Agreement, including but not limited to, “Know Your Customer” and “Anti-Money Laundering” information. **(b) Books and Records**. You agree to maintain all books and records required (i) by your processor, in accordance with the Card Network Rules, (ii) by law or regulatory bodies, and (iii) by Splitit, as requested by us in writing. **(c) Ongoing Review.** Splitit reserves the right to reassess your eligibility for use of any of the Splitit Services from time to time. This may include obtaining updated business information or financial records as reasonably required to evaluate your eligibility. **(d) Release and Exchange of Financial Information**. You hereby authorise us to release your financial information to your processor or Card Network or other financial/insurance institutions that reasonably request such information in connection with Splitit Transactions. We take no responsibility for how your processor or Card Network treats this information and you will not have any claim against us in connection with this exchange. **5.2 Protective Actions**. If Splitit determines, in our sole discretion, that (i) Merchant fails to comply with any of the provisions in Section 5.1, (ii) Merchant’s financial condition has deteriorated, (iii) your account is suspected of fraudulent activity of any kind, or (iv) your account receives or is likely to receive a high number of customer disputes, chargebacks, or similar complaints or claims (collectively “Risk Factors”), we may immediately take any or all of the following actions in connection with your account and use of the Splitit Services: **(a) Refusal of New Splitit Transactions**. We may temporarily or permanently cease to provide Splitit Services for future Splitit Transactions. Except with respect to suspected fraudulent transactions, which shall be determined in the sole discretion of Splitit, Splitit will continue to attempt to issue Authorisations and captures with respect to existing  Splitit Transactions, until payment of the final Instalment of each such Splitit Transaction. You hereby agree to pay all Splitit Fees during such a period. **(b) Setoff**. In the event that you default in payment of the Fees to us, we retain a right of setoff and may apply any of your deposit balances or amounts we owe you toward the payment of amounts you owe us under this Platform Agreement. This setoff right does not limit any other rights or remedies we may have under applicable law. ## 6\. INTELLECTUAL PROPERTY **6.1 Grant of Non-Exclusive License**. The Splitit Platform is protected by several patents and pending patent applications in the U.S. and several other jurisdictions. Subject to the terms of this Platform Agreement, Splitit hereby grants Merchant a limited, non-exclusive, non-transferable, revocable license to access the Splitit Platform and use the Splitit Services during the Term. Merchant acknowledges that Splitit may change, deprecate or republish APIs for the Splitit Services or feature(s) of the Splitit Services from time to time, and that it is Merchant’s responsibility to ensure that calls or requests Customer makes to the Services are compatible with then-current APIs for the Services. **6.2 License Restrictions**. Merchant will not, and will not permit any third party to, reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, object code or underlying structure, ideas, know-how or algorithms relevant to the Splitit Platform or Splitit Services; modify, translate, or create derivative works based on the Splitit Platform or Splitit Services; use the Splitit Platform or Splitit Services for timesharing or service bureau purposes or otherwise for the benefit of a third party; or remove any proprietary notices or labels. **6.3 Ownership**. Your use of the Splitit Platform does not grant you any right of ownership over any aspect of the Splitit Platform or over any of Splitit’s intellectual property rights, including but not limited to, patents, copyrights, trademarks, trade secrets, and other intellectual property rights (collectively “ **Intellectual Property Rights**“). We retain all ownership rights, title and interest throughout the world in and to all aspects of the Splitit Platform and the Intellectual Property Rights. You may not act in a manner that is inconsistent with, or that in any way challenges, our ownership of the Splitit Platform, our Intellectual Property Rights and associated registrations. **6.4 Use of Splitit Platform**. Your right to use the Splitit Platform is limited to the usage rights expressly granted by Splitit, and such right is specifically restricted to the Splitit Services. You may not share your use of the Splitit Platform with anyone or assist a third party in using the Splitit Platform in any way without prior written consent from Splitit. **6.5 Use of Merchant Promotional Materials**. You will make your logos, button links, text links and other graphic material available to us for display and use on our website, promotional materials, social media channels, and Australian Stock Exchange reporting materials (the “ **Promotional Materials**”). For the duration of the term of this Platform Agreement, you grant us a non-exclusive, worldwide, royalty-free license to use your intellectual property for the purpose of displaying the Promotional Materials on our website, promotional materials, social media channels, and Australian Stock Exchange reporting materials. ## 7\. CONFIDENTIALITY By entering into this Platform Agreement and using the Splitit Services, you acknowledge that we will provide you with certain proprietary and highly sensitive information. For the avoidance of doubt, this provision shall cover all services and information provided to you by Splitit or its affiliates in connection with the Splitit Services and ancillary services and shall supersede any previous confidentiality agreements. **7.1** “ **Confidential Information**” means any information disclosed, provided or made available directly or indirectly by us to you in any form, for the purpose of evaluating, executing, or providing administrative services with respect to a Splitit Transaction, including proprietary information, marketing techniques and know-how, data compilations, analyses, projections, techniques, sketches, drawings, works of authorship, models, inventions, know-how, processes, apparatuses, equipment, algorithms, software programs, software source documents and formulae related to the current, future and proposed products and services of Splitit. **7.2 Exclusions**. Confidential Information does not include any information that (i) was in the public domain prior to our disclosure to you; (ii) becomes publicly known independent of any action by you; (iii) you can prove was already rightfully in your possession at the time of disclosure; or (iv) was obtained by you from a third party without a breach of such third party’s obligations of confidentiality. **7.3 Intended Use**. You will not use any of our Confidential Information for any purpose other than for the purpose of your engagement with Splitit as governed by this Platform Agreement. **7.4 Required Disclosure**. In the event that you are required by law, governmental or regulatory authority, or by a court of competent jurisdiction to disclose any Confidential Information, you will inform us immediately so that we may seek an appropriate protective order or waive your compliance obligations with the provisions of this Platform Agreement, in our sole discretion. In cases where we seek a protective order, you will cooperate with us in order to obtain such order. If we fail to obtain a protective order or you do not receive from us a waiver of your confidentiality obligations, and yet you remain, in the opinion of your legal counsel, legally compelled to disclose Confidential Information, you may disclose only that Confidential Information you are legally required to disclose, provided that you use commercially reasonable efforts to obtain assurances that such Confidential Information will be kept confidential and that you notify us in writing of its scope and content. **7.5 Maintaining Confidentiality**. You shall protect the confidentiality of the Confidential Information, taking at least the degree of care that you take to protect your own confidential information. You shall only share Confidential Information with employees and representatives who are subject to confidentiality and non-disclosure requirements with respect to you and information you receive from third parties. **7.6 Return of Materials**. Upon our written request, you shall return or destroy all documents or media containing or constituting Confidential Information. **7.7 Remedies**. You agree that monetary damages may be an insufficient remedy for any breach or threatened breach of this Section 7, and therefore we may be entitled to specific performance and injunctive or other equitable relief in the case of any such breach or threatened breach, and you agree to waive any requirement for the security or posting of any bond in connection with such relief. Such remedy is not the exclusive remedy for breach of this Section 7.7, but is in addition to any other remedy available to us. ## 8\. REPRESENTATIONS AND WARRANTIES **8.1 Merchant**. You represent and warrant that: **(a) Valid and Binding.**  Each Instalment Agreement constitutes legal, valid, and binding obligations of the relevant Customer in accordance with the terms of the Instalment Agreement, subject to equitable principles and the effect of insolvency laws generally. **(b) Lawful business**. You are engaged in a lawful business and are licensed to conduct your business under the laws of all jurisdictions in which you conduct business. You further represent and warrant that all your statements in this Platform Agreement and related documents are true, accurate, and complete. **(c) Compliance with Applicable Laws**. You will comply with all applicable laws, rules and regulations applicable to you and your business, at your own expense, including, where applicable, all laws prohibiting or limiting the imposition of surcharges, late payment or other fees on Customers with respect to Splitit Transactions. You will comply with all material terms of Splitit policies, procedures, and guidelines governing the Splitit Services that have been provided to you in writing, and the terms of all Instalment Agreements. You may not use the Splitit Platform in any way that may cause us to be subject to investigation, prosecution, or legal action. Although Splitit has no obligation to monitor Merchant’s use of the Splitit Services, Splitit may do so and may prohibit any use of the Splitit Services it believes may be in violation of any rule, regulation, or Splitit policy. By acknowledging and agreed to the terms of this Platform Agreement and using the Splitit Services, you confirm that you are and will remain in full compliance with the operating regulations and rules issued by the Card Networks (the “ **Card Network** **Rules**”). For the avoidance of doubt, Splitit makes no representations or warranties with respect to Merchant’s compliance with Card Network rules. **(d) Reconciliation**. Merchant hereby represents and warrants that Merchant will reconcile all amounts settled from the Processor in respect of Splitit Transactions on at least a monthly basis in accordance with industry best practices. Merchant shall immediately report to Splitit if any such amounts have not settled. **(e) Accurate Information**. All information you provided in connection with the Application is true, correct, and not misleading. You are providing information to Splitit in connection with utilizing the Splitit Services for your own purposes and not for anyone other than yourself or on behalf of another Person. You are solely responsible for all data, information, text, content, reports, and other materials that are uploaded, posted, delivered, or otherwise transmitted or stored by or on behalf of Merchant in connection with the Splitit Transactions or relating to the Splitit Services, including any information provided by a Customer or Processor.  Merchant represents and warrants on its behalf and on behalf of its Processor that (a) it has all rights necessary to provide any information, data, or other materials that it provides hereunder, and to permit Splitit to use the same as contemplated hereunder, (b) all information provided to Splitit is accurate and complete in all respects, and (c) none of the information provided (i) will violate, misappropriate or infringe any rights of any third party, (ii) will defame or invade the rights of privacy or publicity any rights of any third party, or (iii) is designed for use in any illegal activity or promote illegal activities, including, without limitation, in a manner that might be malicious, illegal or harmful to any person or entity, or discriminatory based on race, sex, religion, nationality, disability, sexual orientation, or age. **(f) Splitit Transactions**. In connection with each Splitit Transaction, you represent that it is a _bona fide_ sale to an authorised cardholder by you for the amount shown on the invoice, which accurately describes the goods and services sold and constitutes the binding obligation of the cardholder, free from any demand, setoff or other adverse claim. You will fulfill all of your obligations to the cardholder and resolve any Customer dispute or complaint directly with the cardholder. **(g) Taxes**. It is your responsibility to determine what, if any, taxes apply in connection with your use of the Splitit Services and Splitit Platform, including to collect, report and remit the correct tax to the appropriate tax authorities. **8.2 Splitit**. We represent and warrant that the Splitit Services will substantially conform to all applicable laws and regulations and will be provided in a timely and commercially reasonable manner. EXCEPT FOR THE WARRANTIES EXPLICITLY SET FORTH HEREIN, THE SPLITIT SERVICES ARE PROVIDED “AS-IS”, AND SPLITIT HEREBY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED.  Splitit does not make any warranty as to the results that may be obtained from use of the Splitit Services. ## 9\. DATA SECURITY **9.1 Data Usage** **(a) By Merchant**. You agree to use all personal, financial, card or Splitit Transaction information obtained from a cardholder in connection with a Splitit Transaction (“ **Card Data**”) for the purpose of processing a Splitit Transaction with that cardholder. You are responsible for securing data in your possession or control, including through your website. Any disclosure, transfer or use of Card Data and other personal data in connection with the Splitit Services is governed by the [Data Protection Addendum](http://splitit.localsite/legals/data-protection-addendum/) (the “ **DPA**”). **(b) By Splitit**. We will collect, retain, use and share information and Card Data in accordance with the DPA, the Data Protection Act 2018, and all ancillary rules and regulations, the GDPR (as defined in the DPA), and all other applicable laws and regulations relating to data protection, as amended from time to time, and in compliance with the PCI DSS. **9.2 Data Security**. Each party agrees to maintain commercially reasonable administrative, technical, and physical procedures to protect Card Data and other non-public personal information about consumers from unauthorised access, accidental loss, modification, or breach. However, no security system is impenetrable and Splitit cannot guarantee that unauthorised parties will never be able to defeat our security measures. Merchant provides Card Data and other information to Splitit with the understanding that any security measures that Splitit provides may not be appropriate or adequate for Merchant’s business, and Merchant agrees to implement security controls that meet Merchant’s specific requirements. In Splitit’s sole discretion, Splitit may take any action, including suspension of Merchant’s company account, to maintain the integrity and security of the Splitit Services, Card Data, other nonpublic personal information, or otherwise to prevent harm to Merchant, its Customers, Splitit or Splitit’s systems, or others. Merchant waives any right to make a claim against us for losses that Merchant incurs that may result from such actions. **9.3 Accuracy and Retention of Data**. You are solely responsible for verifying the accuracy and completeness of all Card Data and any other information submitted to us by Merchant or Processor in connection with the Splitit Transactions. Merchant acknowledges and agrees that Splitit relies on the accuracy of information and any inaccurate information may lead to Merchant losses. Splitit has no obligation to confirm, validate, retain, report or otherwise provide any records of Splitit Transactions or Card Data collected by us. Splitit has no obligation to provide you with any Card Data. **9.4 Data Access**. You must provide us with remote access to Card Data and instruct your credit card payment processor(s) to provide us with unrestricted remote access to your credit card payment processing information relating to Splitit Transactions and the Splitit Services. You grant us the right to access your payment gateway on your behalf and to employ other reasonable methods for obtaining the Card Data in connection with the Splitit Services. **9.5 Password Security**. We will issue you a password granting you and/or your representatives and agents access to a merchant portal providing a dashboard and information regarding your Splitit Transactions (the **“Merchant Portal”**). You hereby agree to restrict use and access to your password to your authorised representatives and agents on an as-needed basis and ensure that each representative or agent is aware of, and complies with, the terms of this Platform Agreement. You are solely responsible for maintaining adequate security and control of any passwords and credentials issued to you by Splitit. **9.6 Audit**. In a case where either party reasonably believe that a security breach or compromise of Card Data has occurred, the parties agree to (i) notify the non-breached party as soon as possible and (ii) reasonably cooperate with the other non-breached party, at its own expense, to conduct a security audit of systems and facilities. ## **10\. TERM AND TERMINATION** **10.1 Term**. This Platform Agreement becomes effective upon your first use of the Splitit Platform and remains in effect until terminated as provided below (the “ **Term**”). **10.2 By the Merchant**. You may terminate this Platform Agreement at any time upon ninety (90) days’ prior written notice; provided that, if you do not accept any changes made to this Platform Agreement, including to the Fee Schedule, you may terminate this Platform Agreement upon thirty (30) days’ prior written notice. **10.3 By Splitit**. Splitit may terminate this Platform Agreement upon any of the following: **(a)** Ninety (90) days’ prior written notice, for any reason. **(b)** Thirty (30) days’ prior written notice, if there is or may reasonably be an increase in Risk Factors associated with your Splitit account. **(c)** Immediately, (i) if you change the basic nature of your business without prior written notice to us, (ii) if you do not comply with the terms of, or if you do not perform any of your obligations under, this Platform Agreement or other agreements entered into with Splitit, (iii) if we are requested to do so by any of the Card Networks or any governmental authority, (iv) if you are not in compliance with any statute, law, rules and regulations applicable to you and your business, or (v) if you become, or are declared to be, subject to any bankruptcy, insolvency, liquidation, reorganisation, court schemes, moratoria, administration and other laws generally affecting the rights of creditors. **10.4 Effect of Termination**. Upon termination of this Platform Agreement, you shall remove all Splitit branding assets from your websites and we will stop facilitating new Splitit Transactions through the Splitit Platform. You will not receive a refund for any Fees paid on account of your use of the Splitit Services. We will continue to facilitate processing of any remaining Instalments under existing Splitit Transactions. **10.5 Survival**. The following sections of this Platform Agreement shall survive termination: 2.4 – 2.5, 3.1-3.4, 4, 5.2, 6.2, 6.3, 6.5, 7, 9.1, 9.2, 10.4, 11.1, 11.2, 11.5-11.9, 11.12. ## 11\. MISCELLANEOUS **11.1 Limitation of Liability**. The Splitit Platform, Splitit Services and all accompanying documentation are provided to you on an “as is” basis, without any express or implied warranties. Nothing in this Platform Agreement limits or excludes either our or your liability for (a) fraud or fraudulent misrepresentation, or (b) any liability that cannot be limited or excluded by applicable law. Notwithstanding anything herein to the contrary, each Party’s total liability to the other Party under this Platform Agreement shall not exceed the aggregate Fees received by Splitit on account of Merchant’s use of the Splitit Services during the thirty (30) days prior to the date of claim. **11.2 No Consequential Damages**. Under no circumstances will either party or any of our respective affiliates, vendors, officers, directors, employees, contractors or agents be liable toward the other party for any indirect, incidental, consequential or special damages, including, without limitation, damages for lost revenue, lost profits (real or anticipated), lost business, lost data, injury to business reputation or cost of procurement of substitute services, whether in contract or in tort, including negligence or otherwise, regardless of whether such party has been advised of the possibility of such damages. **11.3 Assignability**. This Platform Agreement may not be assigned by either party without the advance written consent of the other party, which consent shall not be unreasonably withheld, except that either party may assign its interests in this Platform Agreement to a parent corporation or affiliate now existing or hereinafter formed without advance written consent.  In addition, Splitit may assign, transfer or novate this Platform Agreement (or any rights arising out of it) (i) to any successor corporation in the event Splitit is acquired, whether by asset purchase, stock purchase, merger or any other change of control transaction, or (ii) to any financier, lender, third party investor, third party purchaser of receivables or to any special purpose company established by any of the foregoing at any time in its absolute discretion.  If you change your name or place of jurisdiction, you shall immediately notify Splitit in writing. **11.4 Notices**. Any notices sent in relation to this Platform Agreement will be sent by email and effective upon delivery; if to you, to the email address you provided in connection with this Platform Agreement, and, if to us, to legal@splitit.com and to success@splitit.com. If you wish to terminate this Platform Agreement, notice must be sent by email to success@splitit.com. **11.5 Waiver**. If either party fails to enforce any provision of this Platform Agreement, or to exercise any right or remedy under this Platform Agreement or applicable law to which it is entitled, such failure will not be construed as a waiver of such party’s right to assert or rely upon any such provision, right or remedy. Any waiver by either party of a breach of any provision of this Platform Agreement must be in writing, and no such waiver will be construed as a waiver of any other and/or subsequent breach of such provision or a waiver of the provision itself. **11.6 Indemnification**. Except for losses resulting from Splitit’s misconduct, negligence, wilful violation of its applicable law, or reckless disregard for its duties under this Agreement, you agree to indemnify, defend and hold Splitit and its affiliates, subsidiaries, and their respective officers, directors, and employees harmless from any losses, damages, claims, liabilities and expenses, including reasonable attorney’s fees, related to your use of the Splitit Platform or Splitit Services, or any violation by you of this Platform Agreement, and related agreements entered into by you with Splitit, or any Customer, including any Instalment Agreement. **11.7 Governing Law; Arbitration**. This Agreement will be governed by the laws of England and Wales, exclusive of its rules governing choice of law and conflict of laws.  Any dispute, controversy or claim arising out of or in connection with this Platform Agreement, including any question regarding its existence, validity or termination, shall be referred to and finally resolved by confidential, binding arbitration under the rules relating to commercial arbitration of the Rules of the London Court of Arbitration, which rules are deemed to be incorporated by reference into this Section 11.7. **11.8 Export Compliance**. Each party will comply with the export laws and regulations of the United States, European Union, and other applicable jurisdictions in providing and using the Splitit Services. **11.9 Relationship**. Nothing contained herein will in any way constitute any association, partnership, agency, employment, debtor/creditor relationship, or joint venture between the parties hereto, or be construed to evidence the intention of the parties to establish any such relationship. Neither party will have the authority to obligate or bind the other in any manner, and nothing herein contained will give rise or is intended to give rise to any rights of any kind to any third parties. **11.10 Third party rights**. Subject to Section 11.3 (Assignability), nothing in this Platform Agreement confers, or is intended to confer, a benefit enforceable by a person other than the parties hereto and no term of this Platform Agreement is enforceable under the Contracts (Rights of Third Parties) Act 1999 by a person other than you. **11.11 Severability**. If any provision of this Platform Agreement or portion thereof is held to be unenforceable, this determination will not affect the remainder of this Platform Agreement. **11.12 Entire Agreement**. This Platform Agreement, together with the Application and all of our policies referenced herein, sets forth the entire understanding between us and supersedes any other agreement or understanding concerning the subject matter of this Platform Agreement. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=rjcs18be1gke)# Spark growth with installments With Splitit’s innovative installment solution, your customers can afford high-ticket services like HVAC repairs, home improvements and pest control without taking on new loans or paying interest. [Book a demo](https://www.splitit.com/merchants/industries/home-services/#contact-sales) [![Best Payment Innovation Winner 2025](https://www.splitit.com/wp-content/uploads/2025/01/25-payment-innovation-splitit.png)](https://vendorsinpartnership.com/pages/2025-winners?_kx=hmrFDO6EkusWSBkjVNA7J9YLH4oqeaSEr-deBu-Jc0Y.SxRHvw) [Trustpilot](https://www.trustpilot.com/review/www.splitit.com) ![](https://www.splitit.com/wp-content/uploads/2024/11/splitit-home-services-300x147.jpg)![](https://www.splitit.com/wp-content/uploads/2024/11/pay-later-solution-for-home-services-300x180.jpg)![](https://www.splitit.com/wp-content/uploads/2024/11/window-replacement-financing-solution-for-business-300x200.jpg)![](https://www.splitit.com/wp-content/uploads/2024/11/pay-later-for-pest-control-services-300x200.jpg) ## Credit card installments unlock huge potential ### 1.2bn approved customers Anyone with a credit card can use Splitit, anywhere in the world – no registration, application, or underwriting required. ### $35,474 avg. credit available Customers can maximize their purchasing potential using the credit they have already earned, without paying interest. ### 85%+ approval rate Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. Mobile installments ## Installment Payments. Anywhere. Set up installment plans on the fly, with no complicated registration or credit checks for your customers. ![](https://www.splitit.com/wp-content/uploads/2024/10/in-person-installment-payments-300x300.png) ### In-person Simply share a QR code or send a payment link via email or SMS. Your customers can select a payment plan that suits them best. ![](https://www.splitit.com/wp-content/uploads/2024/10/over-the-phone-installment-payments-300x300.png) ### On the phone Accept payments over the phone and let your customers choose their preferred number of installments without the need for new credit applications. ![](https://www.splitit.com/wp-content/uploads/2024/10/e-commerce-bnpl-installment-payments-300x300.png) ### Online Integrate Splitit’s installment options directly into your checkout process, or send a payment link to your customers. ![](https://www.splitit.com/wp-content/uploads/2024/11/increase-average-order-value-with-pay-later.png) ## Increase transaction values With Splitit’s card-attached installments there’s no arbitrary purchase limit, customers can maximize their purchasing potential using their existing available credit, leading to higher transaction values. ![](https://www.splitit.com/wp-content/uploads/2024/11/highest-approval-rates-with-splitit.png) ## Drive more conversions Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. With no applications, underwriting or SSN required, there is no friction at the checkout. ![](https://www.splitit.com/wp-content/uploads/2024/11/zero-default-risk-with-card-linked-installments-747x1024.png) ## Zero default risk Splitit operates with customers’ existing credit cards – their installment payment plan lives within the limits of their existing credit card. This means there’s no risk of defaulting on payment – should a customer miss their payments, the total order amount will be charged to their card. ## The future-proof pay-later option Home services often fall outside of a customer’s usual budget, creating financial stress – especially when expenses arise unexpectedly or right after a home purchase. With Splitit, customers can use their existing credit to pay for services without the burden of interest or new loans. On average, consumers have $35,000 available on their credit cards. Splitit enables them to tap into this available credit, allowing them to choose higher-value options without added financial pressure. This not only helps your customers but also boosts your transaction values. [Explore our plans](https://www.splitit.com/pricing-plans/) ### Feature ### Consumer financing ### Splitit Use Existing CreditNo RegistrationNo additional interest or feesWhite-labelGoogle Pay/Apple PayLow RiskSupport high-ticket purchasesIncrease sales potentialApproval rate 35% 85% Real Businesses. Real Stories. ## Don’t just take our word for it. Splitit has helped thousands of businesses around the world to offer flexible pay-over-time options to their customers, using their existing credit card, in a more responsible way. [Book a demo](https://www.splitit.com/merchants/industries/home-services/#contact-sales) [![Neha Raghava](https://www.splitit.com/wp-content/uploads/2024/10/bryantdentalcover.jpg)\\ Splitit allows our optics and other cutting-edge products to reach thousands more customers both in the UK and the rest of the world\\ \\ **Neha Raghava** Group Head of Innovation, Engagement & E-Commerce at Bryant Dental\\ View success story](https://www.splitit.com/success-stories/healthcare/bryant-dental/) [![Daniel Frazer](https://www.splitit.com/wp-content/uploads/2024/10/batelle-cover.png)\\ Splitit allows us to reach customers who would otherwise be unable to purchase and attain a sleep solution for their child.\\ \\ **Daniel Frazer** Batelle CFO\\ View success story](https://www.splitit.com/success-stories/education/batelle/) [![ Lem Tingley](https://www.splitit.com/wp-content/uploads/2024/10/growing-spaces-with-logo.jpg)\\ Splitit was pretty much plug and play, and the dashboard is really intuitive, so we get really good data from there.\\ \\ **Lem Tingley** Chief Growing Officer (CGO) at Growing Spaces\\ View success story](https://www.splitit.com/success-stories/home-furniture/growing-spaces/) ![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![Exxentric](https://www.splitit.com/wp-content/uploads/2024/10/press-logo-standard-black1.png)![Fox Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/fox-pest-control1.png)![Growing Spaces](https://www.splitit.com/wp-content/uploads/2024/10/growing-spaces1.png)![Hawx Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/hawx-pest-control1.png)![Pergolux](https://www.splitit.com/wp-content/uploads/2024/10/pergolux1.png)![Saunaspace](https://www.splitit.com/wp-content/uploads/2024/10/saunaspace1.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![Exxentric](https://www.splitit.com/wp-content/uploads/2024/10/press-logo-standard-black1.png)![Fox Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/fox-pest-control1.png)![Growing Spaces](https://www.splitit.com/wp-content/uploads/2024/10/growing-spaces1.png)![Hawx Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/hawx-pest-control1.png)![Pergolux](https://www.splitit.com/wp-content/uploads/2024/10/pergolux1.png)![Saunaspace](https://www.splitit.com/wp-content/uploads/2024/10/saunaspace1.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![Exxentric](https://www.splitit.com/wp-content/uploads/2024/10/press-logo-standard-black1.png)![Fox Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/fox-pest-control1.png)![Growing Spaces](https://www.splitit.com/wp-content/uploads/2024/10/growing-spaces1.png)![Hawx Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/hawx-pest-control1.png)![Pergolux](https://www.splitit.com/wp-content/uploads/2024/10/pergolux1.png)![Saunaspace](https://www.splitit.com/wp-content/uploads/2024/10/saunaspace1.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![Exxentric](https://www.splitit.com/wp-content/uploads/2024/10/press-logo-standard-black1.png)![Fox Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/fox-pest-control1.png)![Growing Spaces](https://www.splitit.com/wp-content/uploads/2024/10/growing-spaces1.png)![Hawx Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/hawx-pest-control1.png)![Pergolux](https://www.splitit.com/wp-content/uploads/2024/10/pergolux1.png)![Saunaspace](https://www.splitit.com/wp-content/uploads/2024/10/saunaspace1.png)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png) Form [Skip to form](https://js.hsforms.net/ui-forms-embed-components-app/frame.html?_hsPortalId=48942024&_hsFormId=e435b14c-adea-473a-bf07-bd5a701c159d&_hsIsQa=false&_hsHublet=na1&_hsDisableScriptloader=true&editorVersion=2.0#main) # Let’s take the hassle out of big-ticket projects. Splitit makes large projects more accessible for your customers while keeping payments simple for you. Reach out for a friendly, no-obligations chat! Email\* Company Name Message By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our Privacy Policy. You can exercise your data protection rights (in arts. 15-22 of the GDPR) at privacy@splitit.com Submit ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) reCAPTCHA Recaptcha requires verification. [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/) protected by **reCAPTCHA** [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # Condiciones de servicio al consumidor – España Somos un minorista de bienes o servicios que desea comprar (« **nosotros**», « **nuestro**», « **nos**» o «Vendedor»). Estas Condiciones de servicio para el consumidor (este « **Acuerdo**») se celebra entre nosotros y usted, el titular de la tarjeta que hace la compra (« **Comprador**»). Estas condiciones se suman a nuestras condiciones comerciales normales, incluida nuestra política de devoluciones. Al elegir realizar esta compra a plazos, usted acepta regirse por este Acuerdo. Estas condiciones adicionales de pago a plazos se aplican cuando selecciona la opción de pagar su compra a plazos utilizando una tarjeta de pago emitida por un emisor de tarjetas de crédito (« **Emisor**»). Con el fin de procesar los pagos con tarjeta a plazos, utilizamos un servicio tecnológico de terceros proporcionado por Splitit UK Ltd (« **Splitit**» o « **Proveedor de servicios**»). No ha firmado ningún acuerdo con Splitit. **Cómo funciona**. Al seleccionar la opción de pago «Splitit» en la página de pago, nos autoriza a realizar una retención en su tarjeta de pago por el Precio total de venta (como se define en **Autorizaciones**). No obstante, nosotros solo haremos cargos a la tarjeta apta que nos haya proporcionado a lo largo del tiempo con el número de pagos y las cantidades que seleccionó en el momento del pago (llamamos a estos pagos « **Cuotas**»). La fecha y el importe de cada Cuota se muestra en el proceso de pago antes de que complete su compra y se le envía un registro completo por correo electrónico inmediatamente después de completar su compra.  Cargaremos el pago inicial (la primera Cuota) a su tarjeta cuando se complete su pedido (o más tarde, si el envío se retrasa, de acuerdo con el calendario de pagos).  Cada Cuota subsiguiente se cobra mensualmente, en las fechas que se muestran en el cronograma de pagos que se le presenta en el momento del pago, hasta que se abone la cantidad total adeudada en virtud de este Acuerdo. Como se detalla en el apartado **Autorizaciones**, su tarjeta es apta si hay crédito disponible (o saldo, en el caso de ser una tarjeta de débito) para permitir una autorización por el Precio total de venta y usted tiene autorización para usar la tarjeta de pago para hacer la transacción. **Si no podemos renovar una autorización por la cantidad que debe para la fecha de vencimiento de su próxima Cuota, podemos cargar a su tarjeta el Precio total de venta, menos la cantidad de las Cuotas que ya haya abonado.** Ni nosotros ni Splitit le imponemos intereses ni cargos adicionales por seleccionar esta opción de pago. Sin embargo, tenemos la obligación por ley a advertirle de que es posible que tenga que pagar otros impuestos o costes que impongan otras partes (como cargos de Internet, tarifas e intereses impuestos por el Emisor o cargos impuestos por la aduana en su país). **EN PARTICULAR, TENGA EN CUENTA QUE, A MEDIDA QUE SE CARGAN PAGOS A PLAZOS A SU TARJETA, SE LE PUEDEN COBRAR INTERESES Y TARIFAS U OTROS CARGOS IMPUESTOS POR EL EMISOR DE SU TARJETA EN VIRTUD DE SU ACUERDO** **CON USTED. ESTO PODRÍA INCLUIR CARGOS POR PAGOS ATRASADOS, CARGOS POR SOBREGIROS, INTERESES PERIÓDICOS O CARGOS POR SOBREGIROS. USTED ES EL ÚNICO RESPONSABLE DE ESTAS TARIFAS.** **Autorizaciones.** Si proporciona una tarjeta de crédito para hacer los pagos, podremos obtener una autorización con cargo a su tarjeta de crédito hasta el importe total de su compra (« **Precio total de venta**»). Una «autorización» implica que el crédito disponible en su tarjeta de crédito se reducirá en una cantidad hasta el Precio total de venta para garantizar que tenga suficiente crédito disponible para hacer pagos futuros. **Es probable que no pueda usar esa cantidad de su línea de crédito mientras la autorización siga en vigor, sin perjuicio de las condiciones de su Emisor.**  Incluso si su Emisor no restringe el crédito disponible debe asegurarse de tener suficiente crédito disponible en todo momento para cubrir la totalidad de la cantidad pendiente de su compra en vigor de este Acuerdo. Para asegurarnos de que mantenemos una autorización válida para hacer cargos en su tarjeta de crédito, renovaremos la autorización periódicamente utilizando los datos de la tarjeta de crédito proporcionados en el momento de la compra (o una tarjeta de crédito que proporcione posteriormente). El importe de cada autorización se reducirá en las Cuotas ya abonadas. El importe de la autorización puede tardar hasta 5 días en reducirse después de hacer un pago. Le notificaremos al respecto por correo electrónico aproximadamente 24 horas antes de que se renueve la autorización. Si falla alguna autorización que nosotros intentemos aplicar a su tarjeta de crédito, le contactaremos por correo electrónico (utilizando la dirección de correo electrónico que proporcionó al finalizar la compra) para informarle. También podemos comunicarnos con usted a través de SMS en la medida en que nos haya autorizado a hacerlo.  También seguiremos intentando conseguir la aprobación de la autorización; para ello, enviaremos una solicitud a su tarjeta de pago periódicamente durante hasta 7 días.  Puede proporcionarnos una tarjeta de crédito apta diferente para las autorizaciones y Cuotas a través del portal para consumidores. Para ello, utilice el enlace único que se le envió por correo electrónico al celebrar este Acuerdo (« **Portal**»).  Al ofrecer una nueva tarjeta de crédito, nos autoriza a obtener autorizaciones por las cantidades restantes en vigor de este Acuerdo, como se detalla en este Acuerdo. Además, nos autoriza a aplicar cargos a esta nueva tarjeta de crédito por las Cuotas pendientes de pago cuando este Acuerdo lo considere debido. También nos autoriza a hacer cargos o reembolsos en su tarjeta de crédito según sea necesario para corregir cualquier error. **Si no podemos renovar una autorización por la cantidad que adeuda en virtud de este Acuerdo para su próxima fecha de vencimiento de la Cuota y usted no hace un pago por la Cuota antes de la fecha de vencimiento (sujeto a cualquier periodo de gracia aplicable) o no autoriza correctamente esas cantidades en otra tarjeta apta, podemos aplicar cargos a su tarjeta de crédito por el Precio total de venta, menos la cantidad de las Cuotas que ya haya abonado.** **Tarjetas de débito**. Podemos, si bien no tenemos la obligación de, permitirle usar una tarjeta de débito para completar su compra. Si proporciona una tarjeta de débito para pagar Cuotas en virtud de este Acuerdo, es posible que se retenga temporalmente en su tarjeta de débito el Precio total de venta en el momento de la compra, pero solo cargaremos a su tarjeta de débito el primer pago fraccionado en ese momento. El importe restante de la retención, si corresponde, se cancelará aproximadamente entre 3 y 5 días después de la fecha de la compra, pero los tiempos de procesamientopueden variar según su banco. Seguiremos cargando en su tarjeta de débito, cada mes, el importe de cada Cuota subsiguiente, en la fecha de cada Cuota, hasta que se pague la totalidad del importe adeudado en virtud de este Acuerdo. En caso de que no haya fondos suficientes disponibles en la tarjeta de débito para pagar cualquier Cuota, se lo notificaremos. **Si cualquier intento de pago resulta fallido o** **se nos devuelve sin pagar, podemos volver a intentar el intento de pago, a menos que lo prohíba la ley.** **AL COMPLETAR ESTA COMPRA, USTED NOS PERMITE APLICAR AUTORIZACIONES (SI CORRESPONDE) Y PAGOS EN CUOTAS DE LA MANERA DESCRITA ANTERIORMENTE Y PONERNOS EN CONTACTO CON USTED EN RELACIÓN CON SU COMPRA.** **Gestión de pagos con tarjeta y notificaciones**.Usamos una plataforma tecnológica de terceros de Splitit para mantener un registro de los pagos que nos debe y usamos esta plataforma para procesar autorizaciones y pagos en los momentos acordados, así como para enviarle notificaciones. En algunos de los correos electrónicos se indica que estos cuentan «con la tecnología de Splitit». Esto debería ayudarle a identificar en relación con qué pagos nos ponemos nosotros en contacto con usted. En ningún momento entrará en un acuerdo con Splitit. **Devoluciones y cancelaciones**. Puede devolver los productos según lo establecido en la Política de devoluciones. Dispones de 14 días a partir del día siguiente a la compra para cancelar este Acuerdo, si bien le permitimos cancelar este Acuerdo en cualquier momento informándonos por escrito o por correo electrónico o a través de la plataforma Splitit.  Este Acuerdo no puede cancelarse si solo nos lo solicita verbalmente. Si nos notifica que desea cancelar este Acuerdo, se rescindirá y todas las Cuotas pendientes vencerán inmediatamente. Es posible que deba proporcionar información adicional en relación con cualquier aviso de terminación o cancelación para que podamos identificar adecuadamente el Acuerdo que se está rescindiendo.  Tras la finalización de su compra, le enviaremos un correo electrónico con información detallada sobre cómo acceder a la información sobre sus pagos en un portal del consumidor seguro y protegido con contraseña.  En nuestro sitio web y a través del Portal del consumidor seguro y protegido por contraseña encontrará información sobre cómo puede rescindir el Acuerdo.  Puede enviar un correo electrónico a nuestro proveedor de servicios a support@splitit.com. **Incumplimiento**. En vigor de la ley aplicable, que puede requerir que nosotrosle notifiquemos o le demos derecho a subsanar su incumplimiento, podemos declararle en situación de incumplimiento en virtud de este Acuerdo por cualquiera de las siguientes razones: (1) usted no abona alguna Cuota antes de la fecha de vencimiento y después de cualquier periodo de gracia aplicable; (2) usted incumple cualquier promesa que nos haga en este Acuerdo que perjudique significativamente a su capacidad de pagar o a nuestra capacidad de cobrar las cantidades apropiadas en virtud de este Acuerdo; (3) usted se declara en bancarrota o es objeto de un procedimiento que busca el alivio de la deuda; (4) usted ha hecho una declaración falsa o engañosa sobre un asunto importante en relación con este Acuerdo; (5) usted fallece o se incapacita en términos legales. **Consecuencias del incumplimiento**. Si usted incumple este Acuerdo, podemos exigirle que pague la cantidad restante que nos debe en virtud de este Acuerdo de inmediato, sujeto a cualquier derecho que pueda tener para notificar y remediar el incumplimiento.  Podemos solicitar el pago de esta cantidad mediante el cobro a su tarjeta de crédito o débito de conformidad con cualquier autorización que nos haya proporcionado en virtud de este Acuerdo. **Cesión**. Por la presente se le notifica y acepta que transferiremos, venderemos o cederemos este Acuerdo, las Cuotas o cualquier derecho asociado a Splitit. Tras dicha transferencia, el presente Acuerdo seguirá en vigor y será vinculante y redundará en beneficio de nuestro(s) cesionario(s). No puede transferir sus derechos en virtud de este Acuerdo y cualquier intento de hacerlo será nulo. **Legislación aplicable; varios** Este Acuerdo (y cualquier obligación no contractual derivada del mismo), se regirán por la legislación inglesa, sin perjuicio de las normas obligatorias de protección del consumidor del país de su residencia principal.  Todas nuestras comunicaciones con usted serán en inglés. Los tribunales españoles son competentes para conocer de cualquier litigio relacionado con el presente Acuerdo, incluida cualquier cuestión relativa a su existencia, validez o terminación.Si alguna disposición de este Acuerdo o parte del mismo se considera inaplicable, esta determinación no afectará el resto de este Acuerdo. **Uso de su información** En nuestro sitio web encontrará una copia de nuestra Política de privacidad que puede consultar en relación con su compra.  Dado que Splitit gestiona nuestras solicitudes e instrucciones de pago por nosotros, ellos tratarán sus datos ynosotros intercambiaremos la información entre nosotros. Puede obtener una copia de la Política de privacidad de Splitit visitando su sitio web en [https://www.splitit.com/legals/splitit-privacy-policy/english/](https://www.splitit.com/legals/splitit-privacy-policy/english/). Podemos compartir con Splitit información sobre nuestras transacciones e interacciones con usted y otras empresas afiliadas. También podemos compartir información sobre nuestras transacciones e interacciones con terceros no afiliados en relación con la prestación de este servicio a usted, incluidos los servicios de detección de fraude. No obstante, la ley puede permitirle darnos instrucciones para que no compartamos esta información con determinados terceros. Si no quiere que compartamos esta información, debe notificárnoslo por escrito o por correo electrónico a través de nuestro proveedor de servicios en: support@splitit.com.  Si nos envía una notificación por correo electrónico, debe incluir su nombre, dirección y los cuatro últimos dígitos del número de la tarjeta utilizada en esta transacción para que dicha solicitud pueda atenderse.  No incluya los detalles completos de su tarjeta en este correo electrónico. **Comunicaciones**. Después de completar su compra, verá que algunas de nuestras comunicaciones indican que cuentan con «tecnología de Splitit». Splitit le enviará un correo electrónico después de completar su compra con detalles de cómo puede acceder a la información sobre sus pagos en un portal seguro y protegido con contraseña.  Usted es responsable de obtener y conservar todas las telecomunicaciones, móviles, banda ancha, ordenadores, hardware, software, equipos y servicios necesarios para acceder a la información sobre esteAcuerdo o su método de pago; ver, guardar o imprimir los documentos de su cuenta en línea; y recibir cualquier mensaje o documento que haya consentido recibir electrónicamente. Algunas de las comunicaciones entre usted y nosotros o cualquiera de nuestros afiliados, agentes, cesionarios y proveedores de servicios pueden ser monitorizadas y grabadas. Usted acepta que nosotros o nuestros proveedores de servicios podemos enviarle correos electrónicos a cualquier dirección de correo electrónico que nos proporcione o utilizar otros medios electrónicos de comunicación en la medida permitida por la ley. No estamos obligados a actuar sobre cualquier instrucción o mensaje que nos envíe por fax, SMS o mensaje de texto, correo de voz telefónico, servicio de mensajería o contestador automático. Siempre que este Acuerdo o la ley aplicable requiera o le permita notificarnos por escrito, no consideraremos queun SMS, mensaje de texto o fax sea una notificación por escrito. Debe notificarnos de inmediato cualquier cambio en su dirección de correo electrónico, número de teléfono, dirección postal u otra información de contacto a través de la plataforma o enviando un correo electrónico a nuestro Proveedor de servicios en: support@splitit.com. **A quién dirigirse en relación con este** Acuerdo. Ocasionalmente, puede necesitar asistencia adicional en relación con el presente Acuerdo (por ejemplo, sustituir el método de pago, consultar el número de Cuotas pendientes, etc.). Puede obtener información sobre su Acuerdo, incluyendo sus Cuotas pendientes y su método de pago seleccionado a través del Portal. También puede contactar con nosotros a través de nuestro proveedor de servicios en support@splitit.com para obtener asistencia técnica e información sobre este Acuerdo. Si tiene alguna pregunta sobre los bienes y servicios que compró en virtud de este Acuerdo, póngase en contacto con nuestro Departamento de Atención al Cliente a través de la información que figura en nuestro sitio web. Aclaramos que contratamos a Splitit para proporcionar ciertos servicios y que usted no tiene ningún acuerdo con ellos.  Splitit no puede aceptar ningún acuerdo alternativo que no sea permitirle usar una tarjeta diferente para el pago de cualquier Cuota que no se haya abonado. Además, Splitit no dispone de información sobre su relación con el Emisor y, por consiguiente, no puede abordar cuestiones relacionadas con dicho trato. En la medida en que existan conflictos entre este Acuerdo y nuestras condiciones comerciales habituales, prevalecerán las disposiciones contenidas en el presente documento. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=d2mhw5g85l15)# Card-linked installments The only installment payment solution that allows shoppers to use their existing credit card at checkout. [How it works](https://www.splitit.com/shopper/) [Shopper login](https://consumer.splitit.com/) [![Best Payment Innovation Winner 2025](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2025/01/25-payment-innovation-splitit.png)](https://vendorsinpartnership.com/pages/2025-winners?_kx=hmrFDO6EkusWSBkjVNA7J9YLH4oqeaSEr-deBu-Jc0Y.SxRHvw) [Trustpilot](https://www.trustpilot.com/review/www.splitit.com) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/card-linked-installments-splitit-988x1024.png) Our products ## Get more flexibility with Splitit [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/E-commerce-installments.svg)**E-commerce installments**\\ \\ Own the end-to-end journey with our white-label installments.\\ \\ Learn more](https://www.splitit.com/merchants/products/e-commerce-installments/) [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Omnichannel-Installments.svg)**Omnichannel installments**\\ \\ In-person, over-the-phone, and online installment solutions.\\ \\ Learn more](https://www.splitit.com/merchants/products/omnichannel-installments/) [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Pay-after-delivery.svg)**Pay after delivery**\\ \\ Boost trust and conversion by offering your customers to pay after delivery.\\ \\ Learn more](https://www.splitit.com/merchants/products/pay-after-delivery/) Report ### New Study Highlights Shifting Consumer Preferences in Installment Payments Our latest study with PYMNTS, **Innovations and development of card-linked installment plans**, reveals a seismic shift in installment payment preferences. Consumers across all segments are putting greater value on card-linked installments. #### Get the full report ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2025/01/Innovations-and-development-of-card-linked-installment-plans-PYMENTS.png) Installments-as-a-service ### Empowering the entire payments value-chain - [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Best-for-consumer11.svg)\\ Consumer](https://www.splitit.com/#) - [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/E-commerce-installments11.svg)\\ Merchant](https://www.splitit.com/#) - [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Gateway-Processor11.svg)\\ Processor](https://www.splitit.com/#) - [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Credit-Card-Network11.svg)\\ Network](https://www.splitit.com/#) - [![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Issuing-bank11.svg)\\ Issuer](https://www.splitit.com/#) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Best-for-consumer11.svg) #### Consumer Splitit enables consumers to shop more responsibly. There’s no added debt, interest or hidden fees, plus they get all the benefits of paying with their existing credit card, including rewards, transaction insurance and protection against fraud. [Splitit for consumers](https://www.splitit.com/shopper/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Group-3700134-1111.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/E-commerce-installments11.svg) #### Merchant Our white-label plugin allows merchants to nurture and retain their customers, driving loyalty and promoting brand consistency. Splitit’s zero-friction checkout drives the highest conversion and the highest approval rates. [Splitit for merchants](https://www.splitit.com/merchants/products/e-commerce-installments/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/splitit-for-merchants.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Gateway-Processor11.svg) #### Processor Our easy to implement single global API enables merchants to use their existing processor and existing back office, allowing the payment processors to retain their merchant relationships. [Splitit for processors](https://www.splitit.com/partnerships/payment-processors/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/splitit-for-processors.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Credit-Card-Network11.svg) #### Network Splitit’s technology leverages the existing global credit card payment rails, seamlessly integrating installments at the checkout and enabling networks to play a part in the installments value-chain. [Splitit for networks](https://www.splitit.com/partnerships/banks-financial-institutions/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/splitit-for-networks.png) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/source/rev-027eccd/www.splitit.com/wp-content/uploads/2024/09/Issuing-bank11.svg) #### Issuer Splitit’s white-label, issuer agnostic, solution allows more issuers to be part of the installment payments process and not be forced out by the fintechs and the larger banks. [Splitit for issuers](https://www.splitit.com/partnerships/banks-financial-institutions/) ![](https://cdn-ilcnanb.nitrocdn.com/JNDTDIjAxiwgJAwQVJKOCmxVYCXyzMET/assets/images/optimized/rev-027eccd/www.splitit.com/wp-content/uploads/2024/12/splitit-for-banks.png)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # E-sign Disclosure Agreement **ELECTRONIC RECORDS DISCLOSURE AND CONSENT AGREEMENT** Please read this Electronic Records Disclosure and Consent Agreement (“ **Agreement**”) carefully and download or print a copy for your records. By accessing the Splitit website, using the Splitit services or the Splitit Platform and completing your purchase, you agree to be bound by the terms of this Agreement.   In this Agreement, the words “we,” “us,” “our” mean Splitit USA Inc. and our affiliates   **Electronic Application and Related Disclosures.** Federal laws and regulations, including the federal Truth-in-Lending Act and Consumer Financial Protection Bureau Regulation Z, require us to give you certain important disclosures in writing relating to your Retail Installment Sales Contract.  Without your consent, we are not permitted to give you these disclosures electronically. These disclosures include, but are not limited to, our Retail Installment Sales Contract, Truth in Lending Act disclosures, privacy notices, payment authorizations, and any other disclosures regarding your legal rights and obligations relating to your Retail Installment Sales Contract which are required by law to be provided in writing (the “ **Disclosures**”). **Requesting Paper Copy of Disclosures.**  At your request, we will provide a copy of your Disclosures and agreement in paper-based media.  To request a paper copy of your Disclosures, contact us by email at legal@splitit.com.  We will not charge you any fees for providing a paper copy.   **Your Consent is Required.**  You must consent to receiving the Disclosures electronically in order to enter into the Retail Installment Sales Contract online and access services relating to your Retail Installment Contract. If you do not want to receive the Disclosures electronically, you should utilize a different check-out method to complete your transaction. **System Requirements to Access Application, Disclosures and Retail Installment Sales Contract.** To apply electronically and to receive an electronic copy of the Disclosures, you must have the following: - a personal computer or other access device which is capable of accessing the Internet (e.g., you must have a cable Internet connection or some other means of access to the Internet, and you must have an active account with an Internet service provider), and which can receive HTML files; - a valid email address and, if you use a spam filter that blocks our re-routes emails from unknown senders, you must permit messages from the @splitit.com domain in your spam filter. - a current version of a program that accurately reads and displays PDF files (e.g., Adobe Acrobat Reader); - an Internet web browser which is capable of supporting 128-bit SSL encrypted communications; and - 128-bit SSL encryption software. Your access to this page verifies that your system, browser and encryption software meet these requirements.   **System Requirements to Retain the Disclosures and Retail Installment Sales Contract.** To retain the Disclosures, your system must have the ability and sufficient storage space to either download (to your hard disk drive or other storage device) or print both web pages (screens) as well as embedded HTML files.   **Updating Your Information.** You must keep us informed of any change in your telephone number or your mailing address.  You may contact us to tell us about these changes by e-mail at legal@splitit.com. We will not assume liability for non-receipt of notification of availability of electronic Documents in the event your mobile number, email address or other contact information on file is invalid; your email or Internet service provider filters the notification as “spam” or “junk mail”; there is a malfunction in your computer, mobile device, browser, Internet service, mobile connectivity and/or software; or for other reasons beyond our control. **Withdrawing Consent**. You are free to withdraw your consent to this agreement at any time.  To do so, please submit a request to withdraw your consent by email at legal@splitit.com.  Any withdrawal of your consent will be effective after a reasonable period of time for processing your request.  The legal effectiveness, validity and enforceability of Disclosures that were previously provided or signed electronically will not be affected.  If you withdraw your consent, we declare all amounts you owe us immediately due and payable, and we may close or limit access to our services. You agree to pay any amount you owe us even if you withdraw your consent or we close or limit access to your account. **Acceptance of Agreement** **and Consent to Receive Electronic Disclosures and Retail Installment Sales Contract.** By accessing the Splitit website, using the Splitit services or the Splitit Platform and completing your purchase, you confirm that: - **you agree to be bound by the terms of this Agreement;** - **the Internet access device(s) you will use to complete your on-line application and to receive the Disclosures and Retail Installment Sales Contract meet(s) the system requirements described above;** - **you consent to receiving the Disclosures and Retail Installment Sales Contract electronically to any email address or mobile telephone number you have provided or made available to us;** - **The Disclosures that we provide electronically have the same meaning and effect as if provided in paper form; and** - **Your electronic acceptance or signature on any agreement or document has the same effect as if you signed it in ink.** Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=ecsl0a7hw9nb)# DATA SUBJECT REQUEST FORM (“DSR”) Last Updated: July 2024 Splitit Ltd., and its relevant affiliated companies involved in the processing of personal data (and personal information as defined under CCPA) (“ Company ”) values the privacy rights of its users, customers, consumers, and others. As required by the EU General Data Protection Regulation (“ GDPR ”) and by the California Consumer Privacy Act of 2018 (" CCPA ") (collectively “ Data Protection Law ”), European Union residents and California residents, respectively, have the right to make certain requests regarding our processing of personal data. In order to submit a data subject request pursuant to the Data Protection Law, please complete this form. Upon receipt of your completed request, we will process it and respond within the timelines required under applicable Data Protection Law. If additional information is necessary, we will contact you using the contact information you provided in this form. Information provided in connection with this request will be processed only for the purpose of processing and responding to your request and will be deleted immediately thereafter where permitted by Data Protection Law. For more information please review our Privacy Policy and User Rights Policy . For the purpose of this form Personal Data shall include Personal Information. Any DSRs submitted to us shall be processed by us in our capacity as a “Data Controller”. Please note that if you are an individual user of the Splitit solution (i.e. a Consumer as defined in the Privacy Policy )the “Data Controller” is the Merchant you purchased the product from. If we receive a DSR by a Consumer, we will notify the Merchant and will refer the Consumer to the relevant Merchant. We will act in accordance with the Merchant’s instructions in relation to Consumer requests. # Full Name: Please complete at least one of the contact options below. We will follow your preference in this regard and, if nothing is completed, we will reply in the same way you have contacted to us: Address (including ZIP): Email Address: Phone Number: Please check the applicable box(es): ☐I would like to receive information of why and how you are processing my information. I would like to receive a copy of the personal data you process on me.\* ☐I would like you to delete the personal data you hold on me. I would like you to stop processing my personal data. I would like you to limit/restrict the processing my personal data. I would like to receive a copy of my data and transfer it to a third party (portability).\* ☐I would like you to stop sending me direct marketing. I want to withdraw my consent for processing my personal data (applicable under the GDPR). I would like to object to the processing of my personal data (applicable under the GDPR). ☐I believe the data you hold on me is incorrect and I would like to correct it (applicable under the GDPR). Other. # Substantiate the request- please provide additional information about your request: What is your relationship with us (e.g. Consumer (user of the Splitit solution), Splitit website visitor, business contact, etc.): # For users exercising their rights under the CCPA: Please provide proof of address so we can confirm you are a California resident (upload one of the following: utility bill, bank statement, driving license, or tax document) Thank you for filling in the form, we will process the request by the time specified in the Data Protection Law, we reserve the right to extend the aforementioned period by the time specified in the Data Protection Law if the request is complex or numerous or we require additional information, as permitted by Data Protection Law. We will inform you about this in due time. The processing of the request is free of charge; however, we may want to reserve the right to charge a reasonable fee to cover certain administrative costs (such as providing additional copies of the data) or for handling manifestly unfounded or excessive requests. \*Under the CCPA your rights only apply to the Personal Information (as defined therein) collected 12 months prior to the request and you are not entitled to submit more than 2 requests in a 12 months period. By submitting this question or request, I am confirming that: (i) the information I have provided is true and accurate; (2) I understand the information will be handled by the Company in accordance with its privacy policy; and (3) the Company may contact me to verify my identity and to process this request. \*\*\*Note: To submit please print and email this form and supporting documentation to: [privacy@splitit.com](mailto:privacy@splitit.com).\\*\\*\\*# Significant business growth with Splitit +20% increase in sales volume 20% of customers choose to pay with Splitit ![](https://www.splitit.com/wp-content/uploads/2024/10/gemperles-with-logo.jpg) ## About Gemperles Gemperles, founded by Arnaud Pons, officially launched its online store in 2006 to sell high quality, certified pearls (which are really hard to find) at very reasonable prices to his home country, France. They have since expanded their reach to shoppers in Italy, Belgium, the UK, and other European countries. Gemperles is a rockstar in the pearl business. The brand represents innovation and creativity, attractive and unique products, and impeccable service. Arnaud states the key to his continued success is due to paying close attention to market shifts and listening to his customers. “ “Thanks to Splitit we have boosted conversions and we can definitely say that if we were to remove Splitit, our sales would drop significantly.” ## Partnering with Splitit Two years ago, Arnaud was actively seeking an installment payment solution to answer his customers’ needs. In France, paying in installments was already becoming a very sought-after option. He had integrated a couple of other platforms, but they weren’t great solutions. Then he found Splitit and everything changed. Before Splitit, he had to collect all kinds of documents from clients for them to use installment payments, such as an identification card, a bill that showed home address, etc. Additionally, these companies did not provide security of payment or collection services. Splitit, on the other hand, provided a holistic solution that was quick and easy for his customers, just a few clicks and they were done, as well as a seamless international platform he could use globally, that was also safe, guaranteeing payments. Since installing Splitit two years ago, Gemperles has seen a 20% increase in sales volume. Splitit offers so many benefits to the shopper, with no added fees or interest, and it has a well designed checkout process, with clear and easily understandable information and instructions, which increases customer confidence. His customers see these installment payments as an added value service that is easy to use. Gemperles has seen how well these factors play in his promotions to help drive in business. Just last month, he ran a special promotion in partnership with Splitit that resulted in a 60% increase in sales. ## Splitit is more than just a service provider Arnaud states that Splitit is more than just a service. It’s an honest partnership. He has been working with the Splitit Team for the past two years and he feels they are genuinely trying to help him grow his business – even coming up with promotional ideas with him. He appreciates that his contact at Splitit always pays attention to market trends and that the company is continuously working to improve the functionality of its platform. Arnaud’s confidence in Splitit has only continued to grow over time. ## Want to find out how Splitit can help your business grow like Gemperles? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=uzz3sx9gcp6c)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # POLÍTICA DE COOKIES DE SPLITIT _Actualizado recientemente: noviembre de 2023_ Esta Política de cookies constituye una parte integral de nuestra [Política de privacidad](https://www.splitit.com/legals/splitit-privacy-policy/english/) y explica qué son las cookies y cómo las utilizamos nosotros y terceros con respecto al Sitio o los Servicios disponibles a través del Sitio web (en conjunto, se denominarán « **Servicios de Splitit**»). Para obtener más información sobre cómo utilizamos, almacenamos y tratamos los datos personales, consulte nuestra [Política de privacidad](https://www.splitit.com/legals/splitit-privacy-policy/english/). Los términos en mayúsculas utilizados y no definidos en el presente documento tendrán el significado que se les atribuye en la Política de privacidad. Gestión de cookies _**1\. ¿Qué son las cookies (y las tecnologías similares)?**_ - Una cookie es un pequeño archivo de texto que los sitios web que visita y las aplicaciones que utiliza colocan en el navegador de su ordenador o dispositivo móvil (u otro dispositivo final). Otros medios automatizados utilizados a menudo en sitios web y aplicaciones son las etiquetas de píxeles (también conocidas como balizas web o GIF transparentes). Las etiquetas de píxeles suelen ser imágenes gráficas transparentes que se colocan en los sitios web. Estos píxeles se utilizan junto con las cookies para medir las acciones de los visitantes en los sitios web y las aplicaciones. La mayoría de los sitios web y aplicaciones utilizan cookies y otros medios automatizados para recopilar ciertos datos y facilitar la prestación de servicios. Las cookies normalmente se utilizan para que los sitios web funcionen o funcionen de forma más eficiente, para que su experiencia al navegar por el sitio web o la aplicación sea más agradable y fluida, para recordar sus preferencias, para autocompletar detalles de forma que no tenga que introducir sus datos completos cada vez que inicie sesión (como el nombre de usuario y la contraseña), para adaptar el contenido y la información que se le muestra y para personalizar de cualquier otra forma su experiencia en el sitio web o la aplicación.  Las cookies también se utilizan habitualmente como herramientas que permiten a los propietarios de sitios web y aplicaciones comprender mejor el uso de sus productos y servicios, realizar análisis comerciales y llevar a cabo actividades publicitarias para sus fines comerciales o en nombre de terceros. - Existen varios tipos de cookies. Algunas cookies proceden directamente del sitio web o de la aplicación por la que navega y otras proceden de terceros que colocan cookies.  Estos tipos de cookies suelen clasificarse como « **cookies de origen**» y « **cookies de terceros**», respectivamente. - Las cookies se pueden almacenar durante periodos de tiempo variables en el navegador o dispositivo. Las « **cookies de sesión**» se limitan a la duración de su visita al sitio web o la aplicación correspondiente y se cancelan cuando sale del sitio web o la aplicación. Las « **cookies persistentes**» permanecen almacenadas en el ordenador o dispositivo hasta que se eliminen o alcancen su fecha de caducidad. **_2\. Cookies que SPLITIT utiliza_** - Respecto a su Sitio web y sus Servicios, Splitit puede utilizar diferentes cookies, incluidas **cookies propias** y cookies de terceros, **cookies estrictamente necesarias, cookies de funcionalidad y cookies de rendimiento (analíticas), así como cookies de publicidad** (ver más abajo). - La información recopilada a través del Sitio web y los Servicios mediante el uso de cookies incluye: - Información sobre su sistema operativo y dispositivo. - Páginas web a las que ha accedido dentro del Sitio web y los Servicios, el enlace que le ha llevado hasta allí, fechas y horas en las que ha accedido al Sitio web y los Servicios, información sobre sucesos (por ejemplo, caídas del sistema) e información general sobre su ubicación (por ejemplo, ciudad o región). - Información que los usuarios facilitan en el Sitio web y en los Servicios con el fin de agilizar la experiencia del usuario y evitar que tenga que volver a introducir información durante la siguiente visita al Sitio web y a los Servicios de Splitit. - Número de visitantes del Sitio web y los Servicios y qué páginas web se han visto. - En la medida en que usemos cookies con fines publicitarios, podemos recopilar el identificador de usuario publicitario y la información asociada con la publicidad dirigida. **_3\. Categorías de cookies_** - **Cookies estrictamente necesarias:** estas cookies son necesarias para permitir la comunicación entre el dispositivo del usuario y el sitio web o aplicación, así como para prestar los servicios solicitados por el usuario. Dichas cookies se utilizan con el único fin de llevar a cabo una transmisión de una comunicación a través de una red de comunicaciones electrónicas o para permitir al proveedor de un servicio en línea prestar sus servicios tal y como lo solicitan explícitamente los usuarios. - **Cookies de funcionalidad:** estas cookies permiten que el sitio web o la aplicación recuerden las elecciones que hizo el usuario (como el nombre de usuario, la contraseña, las preferencias de idioma o la región) y proporcionan funciones mejoradas y más personales para mejorar la experiencia del usuario en el sitio web o la aplicación. - **Cookies de rendimiento (analíticas):** estas cookies recopilan información sobre cómo los visitantes utilizan el sitio web o la aplicación; por ejemplo, qué páginas visitan con más frecuencia y si es probable que reciban mensajes de error de determinadas páginas. Estas cookies se utilizan para mejorar el funcionamiento de un sitio web o una aplicación, analizar los patrones de uso del sitio web o la aplicación y ayudar al proveedor a mantener y mejorar sus servicios. - **Cookies de publicidad (segmentación):** estas cookies se utilizan para ofrecer anuncios personalizados al usuario. Dichas cookies pueden utilizarse para analizar las preferencias de un usuario de acuerdo con la información contextual sobre las actividades del usuario en el sitio web o la aplicación (por ejemplo, si un usuario navega por una página web que muestra un artículo sobre un acontecimiento deportivo, pueden utilizarse las cookies para mostrar al usuario un anuncio asociado a los aficionados al deporte) o para establecer una correlación entre un usuario y la información sobre dicho usuario recopilada de otro sitio web o aplicaciones (por ejemplo, para mostrar al usuario un anuncio asociado a los aficionados al deporte basado en el perfil del usuario en otro sitio web o aplicaciones). Estas cookies se utilizan para promocionar campañas publicitarias de los propietarios de sitios web y aplicaciones o de terceros, así como para ayudar a medir la eficacia de una campaña publicitaria. Las redes publicitarias suelen colocar las cookies de publicidad, que conectan al anunciante en cuestión con el lugar de publicación del anuncio. **_4\. Cookies utilizadas en los Servicios de Splitit_** Las siguientes cookies se utilizan en los Servicios de Splitit: **_5\. Transferencias internacionales de datos_** Es posible que algunas de las entidades externas mencionadas se encuentren en países no pertenecientes a la Unión Europea, por lo que sus datos se pueden transferir a dichas entidades. Puede obtener información sobre las transferencias a terceros países que, en su caso, realicen los terceros identificados en esta Política de cookies en sus correspondientes políticas de privacidad (véanse los enlaces facilitados en el apartado «Cookies utilizadas en los Servicios de Splitit»). **_6\. Cómo gestionar las cookies_** Si no desea que se instalen cookies en su dispositivo cuando navegue y utilice el Sitio web o los Servicios, puede gestionarlas a través de nuestro panel de configuración o ajustando la configuración de su navegador para gestionar o rechazar dichas cookies, o para notificarle cuando se instale una cookie en su navegador. Estos ajustes suelen encontrarse en el menú «Opciones» o «Preferencias» del navegador de Internet. Para obtener más información sobre cómo cambiar la configuración de su navegador, haga clic en el apartado Ayuda de su navegador de Internet. La mayoría de los navegadores de Internet también le permiten consultar qué cookies están almacenadas actualmente en su dispositivo y eliminarlas de forma selectiva si lo desea. Consulte a continuación los enlaces a los navegadores más comunes que permiten el control de las cookies: | | | | --- | --- | | **Tipo de navegador** | | | Chrome | [https://support.google.com/chrome/answer/95647?hl=en;](https://support.google.com/chrome/answer/95647?hl=en;) | | Firefox | [https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-webWebsite-preferences;](about:blank) https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences?redirect=no | | Opera | [https://help.opera.com/en/latest/security-and-privacy/;](https://help.opera.com/en/latest/security-and-privacy/;) | | Internet Explorer | [https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies;](https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies;) | | Safari | [https://support.apple.com/en-il/guide/safari/manage-cookies-and-webWebsite-data-sfri11471/mac;](https://support.apple.com/en-gb/guide/safari/sfri11471/mac) | | Edge | [https://support.microsoft.com/en-us/help/4027947/windows-delete-cookies](https://support.microsoft.com/en-us/help/4027947/windows-delete-cookies) | Sin embargo, tenga en cuenta que si decide deshabilitar ciertas cookies, es posible que algunas funciones del Sitio web o los Servicios no funcionen correctamente y que su experiencia en línea se vea limitada. Asimismo, tenga en cuenta que su decisión de rechazar las cookies es específica para cada navegador y dispositivo que utilice. Por tanto, si opta por no recibir cookies en un dispositivo en particular y desea que las mismas exclusiones se apliquen de manera similar a un dispositivo diferente, también tendrá que excluirse de ese otro dispositivo. Tenga en cuenta que si acepta las cookies de terceros, tendrá que eliminarlas de las opciones de su navegador o del sistema proporcionado por el propio tercero. Como medida adicional, respecto a las cookies de terceros con el fin de ofrecer publicidad basada en intereses (en su caso), tenga en cuenta que algunos terceros pueden ser miembros de uno de los siguientes programas de autorregulación de publicidad basada en el comportamiento en línea, con las correspondientes opciones de exclusión: – Network Advertising Initiative (NAI) – ( [http://www.networkadvertising.org/choices/](http://www.networkadvertising.org/choices/)) — Google Analytics — ( [https://tools.google.com/dlpage/gaoptout?hl=es](https://tools.google.com/dlpage/gaoptout?hl=es)) Si en algún momento no desea que sus datos personales se utilicen para permitir que terceros le muestren anuncios o para personalizar los anuncios que se le muestran, puede cambiar su configuración utilizando las herramientas proporcionadas por dichos terceros (por ejemplo, Twitter) o a través de uno de los programas de autorregulación de la publicidad basada en el comportamiento en línea mencionados anteriormente, siempre que dicho tercero sea miembro de dichos programas. Por último, tenga en cuenta que la mayoría de los dispositivos móviles le permiten controlar el seguimiento con fines publicitarios mediante la opción «Limitar el seguimiento de anuncios» (en dispositivos iOS) o la opción «Desactivar los anuncios basados en intereses» (en Android). **_7\. Cambios y actualizaciones_** Podemos actualizar esta Política de Cookies de vez en cuando. Le recomendamos que revise periódicamente esta Política de cookies para estar al tanto de nuestro uso de las cookies, de la información que recopilamos a través de ellas y de cualquier actualización al respecto. Publicaremos cualquier cambio en esta Política de cookies en el Sitio web o los Servicios. Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=h7o4rsovzlh)# Making customers smile just got easier with Splitit Splitit works perfectly for those big-ticket purchases such as vet fees, education, and B2B services. [Book a demo](https://www.splitit.com/merchants/industries/services/#contact-sales) ![](https://www.splitit.com/wp-content/uploads/2024/11/installment-payment-solution-for-dentistry-300x200.jpg)![](https://www.splitit.com/wp-content/uploads/2024/11/pay-later-solution-for-home-services-300x180.jpg)![](https://www.splitit.com/wp-content/uploads/2024/11/veterinary-pay-later-solution-splitit-300x200.jpg)![](https://www.splitit.com/wp-content/uploads/2024/11/splitit-card-linked-installments-for-services-300x200.jpg) [![Best Payment Innovation Winner 2025](https://www.splitit.com/wp-content/uploads/2025/01/25-payment-innovation-splitit.png)](https://vendorsinpartnership.com/pages/2025-winners?_kx=hmrFDO6EkusWSBkjVNA7J9YLH4oqeaSEr-deBu-Jc0Y.SxRHvw) [Trustpilot](https://www.trustpilot.com/review/www.splitit.com) ## Credit card installments unlock huge potential ### 1.2bn approved customers Anyone with a credit card can use Splitit, anywhere in the world – no registration, application, or underwriting required. ### $35,474 avg. credit available Customers can maximize their purchasing potential using the credit they have already earned, without paying interest. ### 85%+ approval rate Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. Mobile installments ## Installment Payments. Anywhere. Set up installment plans on the fly, with no complicated registration or credit checks for your customers. ![](https://www.splitit.com/wp-content/uploads/2024/10/in-person-installment-payments-300x300.png) ### In-person Simply share a QR code or send a payment link via email or SMS. Your customers can select a payment plan that suits them best. [Omnichannel installments](https://www.splitit.com/merchants/products/omnichannel/) ![](https://www.splitit.com/wp-content/uploads/2024/10/over-the-phone-installment-payments-300x300.png) ### On the phone Accept payments over the phone and let your customers choose their preferred number of installments without the need for new credit applications. ![](https://www.splitit.com/wp-content/uploads/2024/10/e-commerce-bnpl-installment-payments-300x300.png) ### Online Integrate Splitit’s installment options directly into your checkout process, or send a payment link to your customers. [E-commerce installments](https://www.splitit.com/merchants/products/e-commerce-installments/) ![](https://www.splitit.com/wp-content/uploads/2024/11/increase-average-order-value-with-pay-later.png) ## Increase transaction values With Splitit’s card-attached installments there’s no arbitrary purchase limit, customers can maximize their purchasing potential using their existing available credit, leading to higher transaction values. ![](https://www.splitit.com/wp-content/uploads/2024/11/highest-approval-rates-with-splitit.png) ## Drive more conversions Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. With no applications, underwriting or SSN required, there is no friction at the checkout. ![](https://www.splitit.com/wp-content/uploads/2024/11/zero-default-risk-with-card-linked-installments-747x1024.png) ## Zero default risk Splitit operates with customers’ existing credit cards – their installment payment plan lives within the limits of their existing credit card. This means there’s no risk of defaulting on payment – should a customer miss their payments, the total order amount will be charged to their card. ## The future-proof pay-later option Home services often fall outside of a customer’s usual budget, creating financial stress – especially when expenses arise unexpectedly or right after a home purchase. With Splitit, customers can use their existing credit to pay for services without the burden of interest or new loans. On average, consumers have $35,000 available on their credit cards. Splitit enables them to tap into this available credit, allowing them to choose higher-value options without added financial pressure. This not only helps your customers but also boosts your transaction values. [Explore our plans](https://www.splitit.com/pricing-plans/) ### Feature ### Consumer financing ### Splitit Use Existing CreditNo RegistrationNo additional interest or feesWhite-labelGoogle Pay/Apple PayLow RiskSupport high-ticket purchasesIncrease sales potentialApproval rate 35% 85% Real Businesses. Real Stories. ## Don’t just take our word for it. Splitit has helped thousands of businesses around the world to offer flexible pay-over-time options to their customers, using their existing credit card, in a more responsible way. [Book a demo](https://www.splitit.com/merchants/industries/services/#contact-sales) [![Neha Raghava](https://www.splitit.com/wp-content/uploads/2024/10/bryantdentalcover.jpg)\\ Splitit allows our optics and other cutting-edge products to reach thousands more customers both in the UK and the rest of the world\\ \\ **Neha Raghava** Group Head of Innovation, Engagement & E-Commerce at Bryant Dental\\ View success story](https://www.splitit.com/success-stories/healthcare/bryant-dental/) [![Daniel Frazer](https://www.splitit.com/wp-content/uploads/2024/10/batelle-cover.png)\\ Splitit allows us to reach customers who would otherwise be unable to purchase and attain a sleep solution for their child.\\ \\ **Daniel Frazer** Batelle CFO\\ View success story](https://www.splitit.com/success-stories/education/batelle/) [![ Lem Tingley](https://www.splitit.com/wp-content/uploads/2024/10/growing-spaces-with-logo.jpg)\\ Splitit was pretty much plug and play, and the dashboard is really intuitive, so we get really good data from there.\\ \\ **Lem Tingley** Chief Growing Officer (CGO) at Growing Spaces\\ View success story](https://www.splitit.com/success-stories/home-furniture/growing-spaces/) ![Fox Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/fox-pest-control1.png)![Growing Spaces](https://www.splitit.com/wp-content/uploads/2024/10/growing-spaces1.png)![Hawx Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/hawx-pest-control1.png)![Pergolux](https://www.splitit.com/wp-content/uploads/2024/10/pergolux1.png)![Saunaspace](https://www.splitit.com/wp-content/uploads/2024/10/saunaspace1.png)![Healthpath](https://www.splitit.com/wp-content/uploads/2024/10/healthpath-v21.png)![IVF Matters](https://www.splitit.com/wp-content/uploads/2024/10/ivf-matters1.jpg)![knowledgehut](https://www.splitit.com/wp-content/uploads/2024/10/Knowledge-Hut-logo1.png)![mbaMission](https://www.splitit.com/wp-content/uploads/2024/10/MBA-Mission1.png)![Fortuna Admissions](https://www.splitit.com/wp-content/uploads/2024/10/Fortuna_colour1.png)![Fox Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/fox-pest-control1.png)![Growing Spaces](https://www.splitit.com/wp-content/uploads/2024/10/growing-spaces1.png)![Hawx Pest Control](https://www.splitit.com/wp-content/uploads/2024/10/hawx-pest-control1.png)![Pergolux](https://www.splitit.com/wp-content/uploads/2024/10/pergolux1.png)![Saunaspace](https://www.splitit.com/wp-content/uploads/2024/10/saunaspace1.png)![Healthpath](https://www.splitit.com/wp-content/uploads/2024/10/healthpath-v21.png)![IVF Matters](https://www.splitit.com/wp-content/uploads/2024/10/ivf-matters1.jpg)![knowledgehut](https://www.splitit.com/wp-content/uploads/2024/10/Knowledge-Hut-logo1.png)![mbaMission](https://www.splitit.com/wp-content/uploads/2024/10/MBA-Mission1.png)![Fortuna Admissions](https://www.splitit.com/wp-content/uploads/2024/10/Fortuna_colour1.png) Form [Skip to form](https://js.hsforms.net/ui-forms-embed-components-app/frame.html?_hsPortalId=48942024&_hsFormId=e24a3c40-15cf-4814-85cc-8fca47454b0b&_hsIsQa=false&_hsHublet=na1&_hsDisableScriptloader=true&editorVersion=2.0#main) # Let’s serve up the best payment experience for your customers. See for yourself how Splitit simplifies payments for your customers. Reach out for a friendly, no-obligations chat! Email\* Company Name Message By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our Privacy Policy. You can exercise your data protection rights (in arts. 15-22 of the GDPR) at privacy@splitit.com Submit ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) reCAPTCHA Recaptcha requires verification. [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/) protected by **reCAPTCHA** [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/)Form [Skip to form](https://js.hsforms.net/ui-forms-embed-components-app/frame.html?_hsPortalId=48942024&_hsFormId=968d8f50-e76b-4147-864f-d45b1b90cf5d&_hsIsQa=false&_hsHublet=na1&_hsDisableScriptloader=true&editorVersion=2.0#main) # Share a few details and we'll get in touch Email\* Company Name Message By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our Privacy Policy. You can exercise your data protection rights (in arts. 15-22 of the GDPR) at privacy@splitit.com Submit ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) reCAPTCHA Recaptcha requires verification. [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/) protected by **reCAPTCHA** [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/)# Growing Spaces is growing their business with Splitit +10% average order value 20% improvement on time for interested shoppers to convert into buyers ![](https://www.splitit.com/wp-content/uploads/2024/10/growing-spaces-with-logo.jpg) “ “Splitit was pretty much plug and play, and the dashboard is really intuitive, so we get really good data from there.” ![](https://www.splitit.com/wp-content/uploads/2021/12/growingspaces-splitit-768x576-1.jpg) ## Can you tell us about your company Growing Spaces? Growing Spaces builds award-winning geodesic dome greenhouse kits for controllable and sustainable year-round gardening. Our kits can be self-assembled or we can assemble them for you. What it allows you to do, compared to traditional greenhouses, is grow all year in even more extreme climates without requiring any additional heat or electricity, based on passive solar energy. The round shape of the dome helps track the sun throughout the day as well as the year to get optimal exposure for your plants. Our product has been moving even faster with a developing interest in people looking for a source of fresh organic food who are opting to grow their own, as well as people who are looking for a new hobby, especially since so many are still working from home post COVID-19. ## Why did you decide to partner with Splitit? Our greenhouse kits are expensive, ranging from $8,000 to $40,000. It is a long term investment, like a house or a car, and many customers are interested in going straight for our bigger domes right from the start. At the beginning, a lot of people were looking into bank options to help finance their purchase with a loan, but we wanted to find an easier option. Finding the right solution was a long process. A lot of different payment providers did not support products that cost as much as ours did. Others charged really high merchant fees, which was very challenging for us because of our low profit margins. When we found Splitit, it really was perfect. Our first search criteria focused on having a low APR (because we did not believe it was possible to have 0% interest) and low merchant fees. Splitit offered 0% APR, no fees for customers, low fees for us, and protection, which was important for us as well. In addition, there is no credit limit on how much a customer can spend, which is obviously important for our product’s high price point. Splitit checked all our boxes, and then some. “ “Paying with Splitit was convenient, and made it much easier to purchase the Growing Dome®. We are in the process of building our own house, and it was really nice not to have to fork over all that cash at once.” ![](https://www.splitit.com/wp-content/uploads/2021/12/growingspaces-splitit-2-768x569-1.jpg) ## How do your customers feel about paying with Splitit? Our customers often use the word “convenient” to describe Splitit. They like that they have a very easy solution to help divide their purchase into installments, rather than paying one lump sum. Also, because customers consider our greenhouse domes an investment, having a pay over time option is important to them. Our customers can use their greenhouses for 20+ years to grow fruits and vegetables, typically getting a return on investment (ROI) somewhere between 3-5 years. Splitit gave us the ability to have an effective, low-cost installment payment option for our product, so our customers are not only able to pay over time, but they are also getting value from their investment over time. One of our customers wrote: “Paying with Splitit was convenient, and made it much easier to purchase the Growing Dome®. We are in the process of building our own house, and it was really nice not to have to fork over all that cash at once.” ## How is Splitit helping you grow your business? Splitit has helped our company grow since partnering in March of 2020. We have seen a 10% increase in our average order values (AOV), and our average lead time to convert improved by 20% for Splitit customers. Almost 40% of our customers who paid with Splitit stated they would not have been able to make this purchase without this option. Splitit, along with other factors, also helped contribute to the growth of our overall conversion rate, which increased from 6.4% to 9.5% year-over-year. Splitit is definitely an added value to our checkout process. ## Want to find out how Splitit can help your business grow like Growing Spaces? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=b1rav0os8d78)# Pay after delivery Let shoppers delay payment for purchases until after the item has been delivered. [Book a demo](https://www.splitit.com/merchants/products/pay-after-delivery/#contact-sales) “Really simple to use, especially when buying from a new supplier, paying after delivery means zero worries
if the quality wasn’t good. The quality was fab and so Splitit was well worth using.”Janey ![](https://www.splitit.com/wp-content/uploads/2024/10/pay-after-delivery-pad-splitit-1024x723.png) ![](https://www.splitit.com/wp-content/uploads/2024/10/Customer-loyalty.png) ### Trust and loyalty Allow customers to receive your products before payment, building trust. Loyal customers convert more, spend bigger, and become your best brand ambassadors. ![](https://www.splitit.com/wp-content/uploads/2024/10/Pay-after-delivery.png) ### Boost conversion Providing customers with the security of knowing they will receive their product before they have to make the payment reduces cart abandonment and increases conversion. ![](https://www.splitit.com/wp-content/uploads/2024/10/Offer-pay-later.png) ### Guaranteed payment Splitit’s Pay after delivery solution offers merchants an easy solution to ensure they receive guaranteed payment for the products and service they have delivered. Left-click: rotate, Mouse-wheel/middle-click: zoom, Right-click: pan ![Fallback image](https://www.splitit.com/wp-content/themes/designbypelling/img/globe.png) ## Global acceptance Splitit is available worldwide for any customer with a credit card, so you can expand internationally with a payment solution that appeals to customers worldwide. #### 100+ countries #### 100+ currencies #### Multiple networks ![](https://www.splitit.com/wp-content/uploads/2024/10/pay-after-delivery-pad-with-installments-pay-later-options-splitit-745x1024.png) ## Pay after delivery
+ installments Splitit’s Pay after delivery solution works with our Installments-as-a-Service – the perfect combination for high-ticket items. Customers can choose to pay over time, without any payments up front. [Contact sales](https://www.splitit.com/merchants/products/pay-after-delivery/#contact-sales) ## The future-proof pay-later option Splitit’s Installments-as-a-Service platform is a new way to drive installment payments through a merchant-branded experience. While merchants are experiencing increased sales with legacy BNPL, they also face several challenges: losing control of consumer relationships, poor checkout conversion due to consumer friction, low credit approval rates and heightened regulatory scrutiny. Splitit’s Installments-as-a-Service platform mitigates these issues, making it the most attractive value proposition for merchants. [Explore our plans](https://www.splitit.com/pricing-plans/) ### Feature ### Legacy BNPL ### Splitit Use Existing CreditNo RegistrationWhite-labelGoogle Pay/Apple PayAt CheckoutMerchant IntegrationsIndustry AgnosticNo Credit CheckLow RiskAverage Order Value $250 $1,000+ Form [Skip to form](https://js.hsforms.net/ui-forms-embed-components-app/frame.html?_hsPortalId=48942024&_hsFormId=1b8b2594-beb7-457e-a91a-11c512a0d3b2&_hsIsQa=false&_hsHublet=na1&_hsDisableScriptloader=true&editorVersion=2.0#main) # Take the first step toward smarter payments Splitit empowers your customers with flexible payment options that drive sales and loyalty. Reach out for a friendly, no-obligations chat! Email\* Company Name Message By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our Privacy Policy. You can exercise your data protection rights (in arts. 15-22 of the GDPR) at privacy@splitit.com Submit ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) reCAPTCHA Recaptcha requires verification. [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/) protected by **reCAPTCHA** [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/)# Helping customers get an even better night’s sleep +42% growth volume 25% of shoppers chose to pay with Splitit ![](https://www.splitit.com/wp-content/uploads/2024/10/simba-with-logo.jpg) ## About Simba Sleep Simba Sleep produces the most advanced mattresses in the world by using a unique combination of over 2,000 conical pocket springs and responsive memory foam to guarantee the perfect night’s sleep. The mattresses are produced to fit any individual’s sleep pattern and ensure more comfort and relaxation. Simba’s experts have been working to produce the perfect mattress since 1979, when they supplied their very first spool of thread to a mattress factory in Derbyshire, England. Eventually, they decided to use this special thread to create their own mattresses, diversifying into mattress design and supply in 2002. Since then, Simba has raised over $75M equity funding and now sells mattresses in 15 countries. ![](https://www.splitit.com/wp-content/uploads/2021/12/1-1024x552.jpg) ## The Challenges They Faced Simba was already working with a payment solution provider, but wanted to open up an installment option to a wider customer base with a simpler option. Plus, their installment payment option was limited to only customers in the United Kingdom. ![](https://www.splitit.com/wp-content/uploads/2021/12/2-1024x629.jpg) ## Why Simba Sleep Chose Splitit Simba set out to find a solution that would not only mitigate these challenges, but also help them gain a competitive edge. First of all, Splitit’s technology is available all over the world, which allowed Simba the opportunity to make their mattresses affordable to customers everywhere they sold mattresses, with one simple integration. Splitit also has great customer appeal, with no added interest or fees, and the customer does not have to go through a lengthy application process or credit check. Their technology is everywhere the customers are; online, in-store and on mobile, easily accessible with intuitive, easy-to-use technology that fits seamlessly into the payment process. Creating as little friction as possible, has a direct impact on (decreasing) cart abandonment rates and (increasing) sales. Most importantly, Splitit offers a very high approval rate, because it uses the customer’s existing credit card. This makes for very happy customers and higher 5-star reviews. ![](https://www.splitit.com/wp-content/uploads/2021/12/3-1024x560.jpg) ## The Results Simba has been working with Splitit to offer low monthly installments for over 4 years, and each year they have seen double digit growth. At one point Splitit made up approximately 40% of their checkout in France and approximately 25% in UK. The Splitit offering continues to benefit Simba’s shoppers in a positive way. Visit [Simba](https://simbasleep.com/) to see it in action. “ “The results have been good, with up to 25% of UK customers choosing to pay with Splitit.” ## Want to find out how Splitit can help your business grow like Simba? Explore how Splitit’s installment solutions can drive growth for your business. _By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our [Privacy Policy](https://www.splitit.com/legals/splitit-privacy-policy/english/). You can exercise your data protection rights (in arts. 15-22 of the GDPR) at [privacy@splitit.com](mailto:privacy@splitit.com)_ Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=yusqhlto6dcs)### Legal & PCI - ## User Rights Policy - [Spanish](https://www.splitit.com/legals/user-rights-policy/spanish/) - [English](https://www.splitit.com/legals/user-rights-policy/english/) - [Shareholder Communications Policy](https://www.splitit.com/legals/shareholder-communications-policy/) - [Splitit Privacy Policy For Surveys](https://www.splitit.com/legals/splitit-privacy-policy-for-surveys/) - ## Splitit Infringement, General Website, and Software Licensing Agreements - [United States](https://www.splitit.com/legals/splitit-infringement-general-website-and-software-licensing-agreements/united-states/) - [Risk Management Policy](https://www.splitit.com/legals/risk-management-policy/) - ## Shopper Terms & Conditions - [United Kingdom & Europe – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-spanish/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/traditional-chinese/) - [Mexico – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/mexico-spanish/) - [United States – Spanish](https://www.splitit.com/legals/shopper-terms-conditions/united-states-spanish/) - [United States – English](https://www.splitit.com/legals/shopper-terms-conditions/united-states-english/) - [United Kingdom & Europe – German](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-german/) - [United Kingdom & Europe – Italian](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-italian/) - [United Kingdom & Europe – French](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-french/) - [United Kingdom & Europe – English](https://www.splitit.com/legals/shopper-terms-conditions/united-kingdom-europe-english/) - [Hong Kong – Traditional Chinese](https://www.splitit.com/legals/shopper-terms-conditions/hong-kong-traditional-chinese/) - [Canada – French](https://www.splitit.com/legals/shopper-terms-conditions/canada-french/) - [Canada – English](https://www.splitit.com/legals/shopper-terms-conditions/canada-english/) - [APAC](https://www.splitit.com/legals/shopper-terms-conditions/apac/) - ## Platform Agreement - [Singapore](https://www.splitit.com/legals/platform-agreement/singapore/) - [United States](https://www.splitit.com/legals/platform-agreement/united-states/) - [United Kingdom & Europe](https://www.splitit.com/legals/platform-agreement/united-kingdom-europe/) - [Canada](https://www.splitit.com/legals/platform-agreement/canada/) - [Australia](https://www.splitit.com/legals/platform-agreement/australia/) - [Data Protection Addendum & GDPR Compliance](https://www.splitit.com/legals/data-protection-addendum-gdpr-compliance/) - ## Cookie Policy - [Spanish](https://www.splitit.com/legals/cookie-policy/spanish/) - [English](https://www.splitit.com/legals/cookie-policy/english/) - ## Data Subject Request Form - [Spanish](https://www.splitit.com/legals/data-subject-request-form/spanish/) - [English](https://www.splitit.com/legals/data-subject-request-form/english/) - ## Splitit Privacy Policy - [UK and Europe – Spanish](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-spanish/) - [UK and Europe – English](https://www.splitit.com/legals/splitit-privacy-policy/uk-and-europe-english/) - [Global – English](https://www.splitit.com/legals/splitit-privacy-policy/global-english/) - [E-sign Disclosure Agreement](https://www.splitit.com/legals/e-sign-disclosure-agreement/) - [PCI DSS Certification](https://www.splitit.com/legals/pci-dss-certification/) - [Licensing](https://www.splitit.com/legals/licensing/) # PCI DSS Certification _Last Update: September 2024_ ## Security **Splitit** is committed to safeguarding customer information. To accomplish that, we invest significant resources to provide secure and reliable payment solutions for you and your customers. ## PCI DSS Compliance Splitit is a validated Level 1 PCI DSS Compliant Service Provider. ## What is PCI DSS? PCI DSS is the Data Security Standard put together by the Payment Card Industry Security Standards Council, comprised of the five major payment networks: Visa, MasterCard, American Express, Discover and JCB. It is the global data security standard that every business wanting to accept payment cards and store, process, and/or transmit cardholder data must comply with. The data standard has a total of twelve compliance requirements broken down into six broad control objectives: - Build and maintain a secure network - Protect cardholder data - Maintain a vulnerability management program - Implement strong access control measures - Regularly monitor and test networks - Maintain an information security policy **Splitit** implements the highest technology standards to meet the PCI compliance such as: - Data Encryption Keys (DEKs) and Key Encryption Keys (KEKs) that are encrypted with AES256 algorithm and Master Key which is encrypted with RSA1024 algorithm - 128-bit Secure Sockets Layer (SSL) - Implement WAF (Web Application Firewall) to protect against threads - Use File integrity products to detect malicious file access - Use intrusion detection systems - Monitor and analyze security alerts and information - Incorporate two-factor authentication for remote access - Deploy anti-virus software on all systems commonly affected by malicious software - Limit access to system components and cardholder data to only those individuals whose job requires such access Notifications [iframe](https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LeR4xQnAAAAABg6WaS8XPhFhJ-Jq1fpeqkIe_m2&co=aHR0cHM6Ly93d3cuc3BsaXRpdC5jb206NDQz&hl=en&v=p09oe8YIFfKgcnqQ9m9k4aiB&size=invisible&cb=hk6kjlpm51qx)# Payments designed for tomorrows technology A BNPL solution designed for big-ticket items, offer a more responsible way for shoppers to pay in installments. [Book a demo](https://www.splitit.com/merchants/industries/consumer-electronics/#contact-sales) ![](https://www.splitit.com/wp-content/uploads/2024/11/consumer-financing-for-electronics-companies-splitit-1024x683.jpg) ![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Mobvoi](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi1.jpg)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Mobvoi](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi1.jpg)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Mobvoi](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi1.jpg)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png)![Google](https://www.splitit.com/wp-content/uploads/2024/09/Group.png)![AliExpress](https://www.splitit.com/wp-content/uploads/2024/10/aliexpress1.png)![Byte](https://www.splitit.com/wp-content/uploads/2024/10/byte1.webp)![Ableton](https://www.splitit.com/wp-content/uploads/2024/10/ableton1.png)![Mobvoi](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi1.jpg)![Nectar](https://www.splitit.com/wp-content/uploads/2024/09/Nectar-sleep-logo-vector-1.png)![Canyon](https://www.splitit.com/wp-content/uploads/2024/09/Vector.png)![Gem Shopping Network](https://www.splitit.com/wp-content/uploads/2024/10/gem-shopping1.webp)![James Allen](https://www.splitit.com/wp-content/uploads/2024/09/James_Allen_Logo.svg-1.png) ## A more responsible way to pay We are the only installment payment solution that allows shoppers to use their existing credit card at checkout without increasing their debt. [Regulations are changing](https://www.splitit.com/blog/splitit-the-most-relevant-bnpl-with-regulations-looming/) for legacy BNPL providers, be prepared and act now. Splitit Embedded Ecommerce Installments - YouTube Splitit 489 subscribers [Splitit Embedded Ecommerce Installments](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc) Splitit Search 1/1 Info Shopping Tap to unmute If playback doesn't begin shortly, try restarting your device. You're signed out Videos you watch may be added to the TV's watch history and influence TV recommendations. To avoid this, cancel and sign in to YouTube on your computer. CancelConfirm Up NextCancelAutoplay is paused Share Include playlist An error occurred while retrieving sharing information. Please try again later. Watch later Share Copy link Watch on 0:00 [Previous (SHIFT+p)](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Previous (SHIFT+p)")[Next (SHIFT+n)](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Next (SHIFT+n)") / •Watch full videoLive • [Watch on YouTube](https://www.youtube.com/watch?list=TLGGmtJWs3hA1-QyODAxMjAyNQ&v=BzywKeq7bBc "Watch on YouTube") ## Frictionless payments Splitit provides the technology that empowers you to offer installment payments embedded within your existing customer journey. [Book a demo](https://www.splitit.com/merchants/industries/consumer-electronics/#contact-sales) Pay now$2,500Pay in 3$833.33Pay in 9$277.78$2,500Or from $416.66/moLearn more ### Own the end-to-end journey Splitit places your brand at the heart of every transaction, ensuring that you maintain complete control over the customer experience. By managing the entire journey, you can tailor the shopping experience to reflect your brand’s unique values and drive repeat business. ### Use existing credit Splitit removes the high risks of legacy BNPL by using existing credit, meaning there is no underwriting and we won’t hurt your shopper’s credit rating. Plus, shoppers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud. ### No registrations or redirects Splitit embeds into your current purchase flow, allowing any consumer with an active credit card to use the service – there’s no registration or application needed. Our seamless integration keeps the checkout smooth and straightforward, resulting in higher conversion rates and a checkout that is quick, easy, and secure for your shoppers. ![](https://www.splitit.com/wp-content/uploads/2024/11/increase-average-order-value-with-pay-later.png) ## Increase transaction values With Splitit’s card-attached installments there’s no arbitrary purchase limit, customers can maximize their purchasing potential using their existing available credit, leading to higher transaction values. ![](https://www.splitit.com/wp-content/uploads/2024/11/highest-approval-rates-with-splitit.png) ## Drive more conversions Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. With no applications, underwriting or SSN required, there is no friction at the checkout. ![](https://www.splitit.com/wp-content/uploads/2024/11/zero-default-risk-with-card-linked-installments-747x1024.png) ## Zero default risk Splitit operates with customers’ existing credit cards – their installment payment plan lives within the limits of their existing credit card. This means there’s no risk of defaulting on payment – should a customer miss their payments, the total order amount will be charged to their card. Real Businesses. Real Stories. ## Don’t just take our word for it. Splitit has helped thousands of businesses around the world to offer flexible pay-over-time options to their customers, using their existing credit card, in a more responsible way. [Book a demo](https://www.splitit.com/merchants/industries/consumer-electronics/#contact-sales) [![Ricardo Ferreira](https://www.splitit.com/wp-content/uploads/2024/10/mi-with-logo.jpg)\\ I especially enjoy working with our customer success representative as he makes an extra effort to check in and care about our business.\\ \\ **Ricardo Ferreira** CEO Select Smart – Official Reseller of Xiaomi in Portugal\\ View success story](https://www.splitit.com/success-stories/consumer-electronics/mistore/) [![Benjamin Kumalić](https://www.splitit.com/wp-content/uploads/2024/10/omnipemf-with-logo.jpg)\\ To describe Splitit in one word, I would say ‘simplicity’. It is impossible to drop your conversion rate because of Splitit. You can only increase it. It’s 3 clicks until purchase! Simple and frictionless.\\ \\ **Benjamin Kumalić** CMO at Omnipemf\\ View success story](https://www.splitit.com/success-stories/consumer-electronics/omnipemf/) [![Fanni Melzer](https://www.splitit.com/wp-content/uploads/2024/10/nomos-glashutte-withlogo.jpg)\\ Splitit is the opposite of a typical financial institution. They are quick, helpful and nice, providing good service.\\ \\ **Fanni Melzer** Head of E-Commerce at Nomos\\ View success story](https://www.splitit.com/success-stories/consumer-electronics/nomos-glashutte/) [![Mu Wang](https://www.splitit.com/wp-content/uploads/2024/10/mobvoi-with-logo.jpg)\\ Splitit has had a magnificent impact on increasing sales and conversion rate with attractive advantages for our customers\\ \\ **Mu Wang** Mobvoi, Inc\\ View success story](https://www.splitit.com/success-stories/consumer-electronics/mobvoi/) Form [Skip to form](https://js.hsforms.net/ui-forms-embed-components-app/frame.html?_hsPortalId=48942024&_hsFormId=f236a29e-26c5-492e-939e-024693657c71&_hsIsQa=false&_hsHublet=na1&_hsDisableScriptloader=true&editorVersion=2.0#main) # Want to charge up your revenue? We’ve got the perfect solution. Our team is here to show you how Splitit can power up your customer experience. Reach out for a friendly, no-obligation chat! Email\* Company Name Message By sharing your details you agree to be contacted by Splitit. You can withdraw your consent at any time. Your personal information will be handled in accordance with our Privacy Policy. You can exercise your data protection rights (in arts. 15-22 of the GDPR) at privacy@splitit.com Submit ![](https://www.splitit.com/wp-content/uploads/2024/10/contact-splitit-sales-team-929x1024.png) reCAPTCHA Recaptcha requires verification. [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/) protected by **reCAPTCHA** [Privacy](https://www.google.com/intl/en/policies/privacy/) \- [Terms](https://www.google.com/intl/en/policies/terms/)