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Terms & Conditions, Returns and Refund Policy
1. Terms
1.1 These terms constitute a legal document (“the Agreement”), in which are set out the rights and obligations of you as a purchaser, or in the case of a Cash Purchase or Part Exchange, a seller (“you”), and those of Finnbay Oy (“Finneco”, “finneco.fi”, “we”, “the Company” or “us”), in relation to any transactions, sales or products offered or entered into by us through this site. By registering or placing an order with mpb.com you agree to abide by the terms of this Agreement.
1.2 You agree to:
1.2.1 provide true and accurate information on registration.
1.2.2 maintain and update the registration data to be complete, true and accurate. If finneco.fi has any reason to suspect that such information is untrue or inaccurate we reserve the right to suspend or terminate your account.
1.3 This Agreement shall be governed by the jurisdiction of the English Courts in the event of dispute.
1.4 At its sole discretion, mpb.com may modify these terms and conditions by posting the revised version on this web site at any time.
2. Ordering
2.1 We accept orders online and over the telephone. Please include full contact details for yourself and the stock numbers with all orders. We aim to ship all orders for in-stock items the same day for orders placed before 14:00.
2.2 After submitting an order via our website you will receive an order acknowledgement via email. Please note that this email is not a legal acceptance of your order and we reserve the right to cancel your order at any time should we be unable to fulfil it or should we have any concerns about your registration data.
3. Pricing
3.1 All prices quoted on the website are in Euro and include VAT where applicable. VAT is included at the standard rate of 24% on all brand new products. All second hand goods are sold on the VAT margin scheme such that there is no VAT applicable to be reclaimed.
3.2 Prices are exclusive of local taxes, import duties and clearances and finneco.fi has no liability for any such charges if arising.
3.3 We always do our best to honour advertised prices but we reserve the right not to do so in the event of an incorrect price being published.
4. Payment
4.1 We accept all major credit and debit cards. Alternatively you may pay by:
4.1.1 Wired bank transfers (bank details provided to customers on request)
4.2 Credit and debit cards for all customers are subject to security clearance. Additional information may be requested at our discretion for this purpose.
4.3 By entering into the Agreement with us you acknowledge that we may use personal information provided by you in the ordering process to conduct any necessary fraud checks.
5. Purchases and Part Exchanges
5.1 In the case of Part Exchange, no items will be reserved for you until the transaction has been finalised and approved.
5.1.1 A Part Exchange will be deemed finalised upon receipt of full details requested, and upon the receipt by you of a confirmation email from mpb.com acknowledging our final acceptance of the transaction and agreed date of the collection courier.
5.2 In the case of Purchases and Part Exchanges where a courier is arranged to collect your items, mpb.com takes no responsibility for late or failed collections, however arising.
5.2.1 In the instance that the courier is unable to collect due to an error by the courier company or by us, we will arrange an alternative date for collection free of change.
5.2.2 In the instance that the courier is unable to collect due to no response at the agreed collection address, incorrect address details or any other responsibility of the seller (you), an added charge of 10 € will be incurred to re-arrange collection.
5.3 In entering into any Purchase or Part Exchange of equipment with finneco.fi, you agree to abide by our terms and conditions of purchase.
5.3.1 Before entering into a Purchase or Part Exchange the seller (you) must be the full and legal owner of all equipment offered.
5.3.2 In entering into a Purchase or Part Exchange the seller (you) is responsible for assuring that all equipment offered for sale has been legally imported into the EU. finneco.fi reserves the right to refuse purchase on any items purchased from Non EU sellers or sellers based within the EU where evidence of full VAT compliance is not available. Where the seller (you) is the first owner of the equipment, a VAT receipt may be required as proof of purchase. Where the seller (you) is the second owner of the equipment further information may be requested and acceptance of the transaction is at the discretion of mpb.com.
5.3.3 You are at least 16 years old; or if you are under 16 years of age, that you have obtained your parent’s or guardian’s consent to sell your items to us for the sum indicated in our correspondence and you and your parents/guardians release mpb.com of any liabilities or claims that may arise if you send your items to us in breach of these terms.
5.4 Finneco retains full rights to refuse or cancel a Purchase or Part Exchange at any time, or to offer a revised quotation on equipment offered.
5.5 Once we have received and checked your items and the payment has been made or the transaction completed, ownership of the items passes immediately and irrevocably to us. In the case of a Part Exchange you are within your rights to return the purchased goods within the 14 day returns period for a full refund to include the cash value placed on the items sold in Part Exchange. Finneco.fi will under no circumstances be able to return the original items sold once the transaction is completed.
5.6 Quotations on equipment are based on expected condition and subject to completing our quality checks. Quotations are valid for a period of 7 days from the date quoted and are subject to revision at any time at the discretion of finneco.fi.
5.6.1 On receipt and checking of the equipment mpb.com retains the right to revise any quotation or to cancel the transaction at anytime up until the point that payment is made.
5.6.2 Where revisions to any quotation are necessary the seller (you), will be informed and have the right to cancel the transaction and request return of the items up until the point where payment is made.
5.6.3 Finneco retains the right to cancel the transaction or adjust the valuation for any reason inclusive of, but not limited to:
If items differ in age, useage or exact model from that quoted
If items are faulty or show signs of imminent failure
If items are not as described
If items do not include necessities such as batteries or chargers
If items show signs of excessive wear not previously described
If items show signs of having impact or other damage
If items show signs of internal fungal growth or damp
If items are not EU stock
If Finneco suspects the product is ‘non original’ in any way
5.6.4 Each item that you sell to us should match the make and model and condition that you describe when the quote is submitted. When we assess your items we will use the Condition Specifications given below, which correspond to the rating suggested in our initial quotations.
5.6.5 In entering into a Part Exchange or Purchase, you agree to abide by the terms and conditions of our COURIER SERVICE as outlined below.
6. Delivery Information
6.1 All orders are dispatched via Posti, UPS or DHL without exception and will require a signature on delivery. Finneco shall have no liability for any late delivery however arising. We cannot accept requests to use alternative couriers.
6.2 Please ensure that you are at the delivery address given to sign for your package. If you are unable to sign for the item the courier will not leave the item and it will be returned to the local depot. Please follow any instructions left by the courier to rearrange the missed delivery.
6.3 Finneco shall not be liable for loss or damage to any part of any parcel (whether comprising one or more packages in the parcel), or for the loss or non-delivery of the whole of any parcel, or for damage, delay or detention or any part thereof however caused, unless we are advised thereof in writing of the fact of the loss or damage or mis-delivery or failure of delivery within 10 days from the date shipped.
7. Returns and Refund Policy
7.1 You have the right to cancel your order or to return items if not as described within 30 days by:
Emailing us at https://finneco.fi/contact-us/ stating your name and order number.
7.2 Please note that you must contact us prior to returning any goods received and obtain a Returns Authorisation Number.
7.3 Items must be returned to us via an insured and trackable delivery service. If you return an item because of an error on our part we will refund return postage charges. In all other cases you will be responsible for return postage charges.
7.4 All returns must also be accompanied by the original sales invoice and all items must be returned in the exact same condition as at the original point of sale. mpb.com is not liable for lost or damaged returned items.
7.5 Finneco.fi retain the right to issue a refund rather than replacement on any item returned, including those items returned due to faults or where items are considered not as described.
7.6 Reduced items. Items sold at a discounted or reduced rate will only be eligible for a refund and will not be eligible for a like for like replacement.
9. Liability
9.1 Finneco.fi shall have no liability to pay any money to you by way of compensation other than to refund to you the amount paid by you for the goods in question.
9.1.1 Finneco shall not be liable in any manner for any acts, omissions, failures or delays resulting in issues such as (without limitation) loss of business, loss of sales, loss of profits, loss of reputation, business interruption, non payment of sums due or any other pecuniary loss.
9.2 Nothing within the Agreement shall affect the statutory rights of any consumer.
10. The Warranty
10.1 The warranty is valid from the date of purchase until the end of the 12 month period. The warranty is subject to proof of purchase being provided; therefore you should retain your sales invoice. The warranty is not transferable to a third party. All works carried out under warranty must be pre-approved and authorised by mpb.com.
10.2 Authorising the Return
10.2.1 In the unlikely event that you have any complaints or you wish to return your purchase under warranty you can contact us by:
Contacting us at https://finneco.fi/contact-us/ stating your name and order number, and describing the issue with your purchase.
10.2.2 Please note that you must contact us prior to returning any goods received to obtain a Returns Authorisation Number.
10.2.3 All goods returned as faulty will be checked thoroughly by us and if no fault is found the item will be returned to you. We reserve the right not to offer a repair or replacement unless a fault with the item can be established.
10.2.4 Finneco reserves the right to offer a replacement item in circumstances where a repair is deemed unviable. In the case of second hand items a replacement item may vary slightly in condition from the original item purchased.
10.3 What is covered:
10.3.1 Parts and labour costs in relation to the repair with an approved repairs agent of any fault which occurred during normal usage of the item within the warranty period.
10.3.1.1 Please note that you must contact us for agreement prior to arranging any repair.
10.4 Specific exclusions:
10.5.1 Consumables, including batteries, are not covered by the warranty.
10.5 General exclusions (What’s NOT covered):
10.5.1 Wear and tear;
10.5.2 Faults caused by shock or fall, sand, dust, dirt, damp or corrosion, leaky batteries, an act of war or terrorism, fire, theft, attempted theft, accidental or malicious damage, vandalism, corrosion, water contamination or ingress, frost, flooding or other adverse weather conditions, repair or cleaning by unauthorised personnel, impact;
10.5.3 Accidental damage;
10.5.3.1 Inclusive of but not limited to: faults that have occurred because you have not used, stored or handled the product properly or have not followed our written instructions for the product, or those of the manufacturer; or damage or defect due to wilful neglect or negligence by anyone other than us;
10.6.1 Faults occurring with items where parts are no longer produced, such that the item cannot be repaired;
10.6.2 Loss of quality, degradation of performance or actual damage that results from the use of spare parts or other replaceable items (such as consumables) that are neither made nor recommended by the manufacturer;
10.6.3 Faults due to the connection of other fittings or accessories to the product which we have not approved;
10.6.4 Lost or damaged data;
11. Errors and Omissions
11.1 We make every effort to ensure that all information given on our website is accurate. If you do find an error, please do let us know by contacting us via email at sales@mpb.com and we will get it corrected as soon as possible.
11.2 All our used items are carefully described in the condition description and sold as described. Items for sale do not necessarily come with all accessories from new, such as lens hoods, straps or memory cards, unless specifically stated. In the case of errors with our listings you are within your rights to return the item within the 14 day return period if we are unable to resolve the matter.
12. Personal data and effects
12.1 We recommend that before collection of any items you delete or remove ALL personal information that is or may be stored on the device such as, but not limited to, digital images/pictures, personal or contact information.
12.1.1 We accept no responsibility whatsoever in relation to the data that you may, whether knowingly or unknowingly, have provided, whether personal, confidential, private or otherwise. Furthermore we take absolutely no responsibility for the security of such or any data that reaches us as a result of the sale of your items.
12.2 Finneco.fi accept no liability for any items whatsoever of any nature included, either intentionally or unintentionally, other than those items stated on the paperwork for the transaction. Any additional items are included at your own risk and mpb.com can accept no responsibility for returning such items.
12.4 If we find upon inspection that an item or items you have sent to us for sale have been registered / reported as lost or stolen, we will notify you by email and quarantine these whilst we contact the relevant / appropriate authorities.
13. Payments to you
13.1 Payment to you are made via bank transfer (BACS). For payments to accounts registered outside EU, you are required to provide a SWIFT / BIC code, IBAN number, account number and bank address.
13.2 It is your responsibility to ensure that the Payment Details, including account number and sort code or international Payment Details, are correct and accurate. We may prompt you via email to verify that the Payment Details you have provided are correct and accurate. Such communications or prompts of this type from us to you do not mean that we assume any responsibility whatsoever for the validity of the details that you submit / provide and it remains your sole responsibility to ensure that the Payment Details you have provided are correct, complete and accurate. mpb.com will not be liable if you fail to receive a payment or suffer any loss, including but not limited to a payment sent to an incorrect account or recipient, as a result of any failure by you to correctly, completely and accurately provide and / or submit all Payment Details required when using our secure form or when providing details in any manner.
13.3 Failing to provide correct and accurate Payment Details when prompted may result in delays in payments being made. Finneco hold no responsibility for any such delays however arising. You are responsible for providing us with correct payment details (Account number), IBAN and Swift/BIC code for non- EU Bank account using the link to a web page provided to you via email. If you fail to provide correct payment details to us within 6 weeks of your item(s) being checked, Finneco reserves the right to take ownership of your item(s) without further notification or payment. In the case of adjusted quotes, you are responsible for replying to the adjustment email within 6 weeks of the send date. The response can be either through clicking the ‘accept’ button or replying in writing to confirm that you do not wish to proceed and confirming your return address for the items. We reserve the right to take ownership of your item if you do not respond to accept or decline your adjusted quote in the manner outlined here.
13.4 You understand, accept and agree that some of the Payment Methods made available to you to process these payments, including, but not limited to, payments by bank transfer (BACS), depend on third parties who we cannot and do not control. We will not be liable for delay in receipt of payment as a result of the actions or inactions of such third parties. Payments may be subject to discretionary validation and security checks that we or third parties may require.
14. Matters beyond our Reasonable Control
14.1 Finneci.fi shall not be held responsible for any breach of this Agreement due to matters beyond our reasonable control, inclusive of but not limited to, acts of God, fire, flooding, severe weather, industrial disputes or acts of internet providers, government or other authorities.
15. Language
15.1 In the event of discrepancy between the English language text within this site and any translation provided by us, the English language version shall prevail.
16. CONDITIONS OF OUR COURIER SERVICE
16.1 Only customers within the EU are eligible for our free courier service for some products.
16.2 Finneco offers customers a number of ways to send your items to us for FREE. They include using:
16.2.1 Our FREE insured Courier Service, which is offered to customers within the EU;
16.2.2 An insured and signed for postal or courier service approved by Finneco for which we will refund postage up to the value of 15 € .
16.3 Finneco take no responsibility for damage or loss of items sent to us by an alternative postal or courier service. Customers wishing to send items themselves are recommended to use insured and trackable service and to retain proof of postage.
16.4 All collections will be booked for only one box unless otherwise specified by you. If your items require more than one box or package, you are required to inform us before the courier is booked.
16.5 You must ensure that the appropriate details, such as your reference number and the words “finneco.fi”, are displayed clearly on the package and that the appropriate paperwork is fully and accurately completed and enclosed. Any failure to do so may result in delays or errors when processing your items.
16.6 Our Courier Service allows items to be insured up to the value we have placed on them, which is outlined item-by-item, in the final quotation or order invoice. No other valuations will be accepted other than that of mpb.com for these insurance purposes. Only items included on the paperwork associated with the transaction will be covered by this insurance. Any additional items included by you for Cash Purchase or Part Exchange which are not described in the paperwork associated with the transaction are sent at your own risk.
16.7 Please ensure that all items are fully and carefully packaged for reasonable impact and movement during transit. Failure to package items in a suitable manner may affect any insurance claim for damage to items during transit. mpb.com will not be responsible for any damage incurred during transit as a direct result of insufficient packaging.
16.8 To make a claim for a lost or damaged order, please contact Finneco directly.
16.9 Finneco.fi reserves the right to reject a parcel at the point of delivery if there is not a valid label attached.
16.10 You shall not require us or our courier to carry or convey anything if such carriage or conveyance would be unlawful. We and our courier will NOT carry ANY ITEMS that are NOT previously agreed for sale with or purchase by Finneco.fi and which are not included on the paperwork for the transaction. Should you nevertheless deliver goods that we do not accept for carriage, you shall be liable for any and all loss or damage caused by, or in connection with, the goods, however arising, and shall indemnify mpb.com against all penalties, claims, damages, costs and expenses whatsoever arising in connection therewith. The goods may be destroyed or otherwise dealt with at the sole discretion of mpb.com, our courier or by any other person in whose custody they may be at the relevant time.
16.11 Finneco.fi reserves the right to refuse any parcels which are neither the property of nor sent on behalf of you.
17. Liability of Finneco when using our courier service
17.1 Finneco.fi shall only be responsible for any loss or damage to a parcel, or for non-delivery or mis-delivery, if it is proved that the loss, damage, non-delivery or mis-delivery was NOT due to the negligence or fault of you.
17.2 Finneco can under no circumstances whatsoever accept any responsibility for any delay to parcels whilst in transit.
17.3 Since Finneco is unable to assess the cost to a Customer of the loss or damage of any parcel, in no case whatsoever shall any liability of the Company, however arising and notwithstanding any lack of explanation, exceed the quoted value of the relevant goods in a parcel or the value of compensation cover selected at the point of purchase whichever is less. If the goods in the parcel have any extra intrinsic value to the Customer or the Customer would suffer consequential losses in the event of their loss or damage to the goods in the parcel, then the Customer is advised to insure against such risks and losses since we are not liable for any such loss or damage.
17.4 Finneco shall not be liable for loss or damage to any part of any parcel (whether comprising one or more packages in the parcel), or for the loss or non-delivery of the whole of any parcel, or for damage, delay or detention or any part thereof, however caused, unless we are advised thereof in writing, of the fact of the loss or damage or mis-delivery (as the case may be) within 10 days from the date that you had your parcel(s) accepted by the courier.
17.5 Finneco.fi shall not be liable for loss or damage to any part of any parcel (whether comprising one or more packages in the parcel), or for the loss or non-delivery of the whole of any parcel, or for damage, delay or detention or any part thereof however caused, if the parcel is not correctly labelled.
17.6 Packages are only insured by mpb.com if due process is followed at the point of collection, such that the package(s) can be tracked through the courier system as “collected”. If the package(s) cannot be tracked into the courier network and there is no authorised proof of collection, Finneco.fi cannot be held liable for any items or losses.
17.7 Authorised proof of collection is in the form of a printed courier collection slip, or proof via the electronic courier tracking system that a package has been collected. Hand written confirmation of collection from the courier will not be considered proof of collection, so please do not hand over your package(s) unless the courier is able to scan the package(s) and provide a printed collection slip.
17.8 Finneco.fi cannot be held liable if courier tracking shows that nothing was collected from the address and no authorised proof of collection can be provided for the package(s).
17.9 In the case of drop off all package(s) are fully insured, provided a printed proof of collection is obtained from the drop off shop or depot and the package(s) have tracked onto the courier network
17.10 If a package is delayed in transit or does not arrive within the standard timeframe then mpb.com will launch an investigation with the courier, which can take up to 10 working days. No payment will be made until the conclusion of any investigation, followed by an internal investigation by mpb.com. The maximum term for a complete investigation into a non-delivered package is 30 days. All decisions taken as a result of any investigation are final.