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in3 consumer terms and conditions

If you purchase a product (the Purchase) from a seller (the Shop), you enter into agreements with that Shop. Those agreements between you and the Shop are not set out in this document.

This document only contains the agreements you make with in3. With in3, it is possible to pay for your Purchase in three equal installments:

  1. You pay the first installment immediately upon Purchase.
  2. You pay the second installment no later than 30 days later.
  3. You pay the third installment no later than 60 days later.

You can only choose to pay with in3 if the Shop has made arrangements with us to be allowed to offer our payment method. in3 is the trade name of in3 NL B.V. and we are legally established at Meerenakkerweg 1a, 5652 AR in Eindhoven. in3 NL B.V. is registered in the Commercial Register of the Chamber of Commerce under number 59234784. The VAT number of In3 NL B.V. is NL853381082B01.

If you choose to pay with in3 for your Purchase, you enter into the following agreements with in3, in addition to the agreements with the Shop:

  1. Your Purchase
  • 1.1. By making the Purchase from the Shop, the Shop acquires a claim against you (the Claim). The Shop will send you an invoice or provide you with a receipt.
  • 1.2. The terms and conditions you agree upon with the Shop apply to the Purchase.
  • 1.3 In the Shop's ordering process, you can choose to pay via in3. If you choose this, you submit a request to in3 (the Request). In these Consumer Terms and Conditions, you enter into additional agreements with in3 regarding the payment method you use for the Purchase.
  1. Your Request
  • 2.1. By submitting a request to in3, you declare the following:
    • (a) Your delivery address and billing address are in the Netherlands and are not a P.O. box or service point;
    • (b) You are 20 years of age or older and authorized to make the Purchase (have legal capacity);
    • (c) You have not been declared bankrupt or placed under guardianship or administration, and no debt restructuring scheme applies to you. Furthermore, no application for this has been submitted; and
    • (d) All (personal) data that you have provided (or have had provided) to the Shop or in3 is accurate and complete. Furthermore, you will make the payments from your own account.
  • 2.2. If you submit the Request, you request in3 to perform the (payment) agreement between you and in3 immediately if in3 approves your Request.
  1. Assessment of the Request by in3
  • 3.1. After in3 has received the Request, in3 will assess the Request.
  • 3.2. If in3 rejects the Request, in3 will inform you of this. in3 does not have to state why it rejects the Request. If in3 rejects the Request and you still wish to make the Purchase, you must find another way to pay the Shop.
  • 3.3. When assessing the Request, in3 also checks your creditworthiness. in3 does this in an automated manner. See the privacy statement at https://payin3.eu/nl/privacy-policy/ for more information about the processing of your data by in3.
  1. If in3 approves the Request
  • 4.1. If in3 approves the Request, in3 will inform you of this. It may attach conditions to its approval. It will also inform you of these.
  • 4.2. If in3 approves the Request, an agreement is formed between you and in3. These Consumer Terms and Conditions are part of that agreement. You can always look up these Consumer Terms and Conditions on the in3 website and easily save them as a PDF or request them again (free of charge) from in3. Your agreement with in3 ends automatically once the total outstanding amount has been paid by you.
  • 4.3. If in3 approves the Request, this does not mean that your creditworthiness is good. You are personally responsible for your creditworthiness. You must therefore assess for yourself whether in3 is suitable for your situation and the Purchase and whether you can pay the Installments (as defined below). If you think you might (potentially) not be able to pay the Installments, you should not request in3.
  1. If you change your mind
  • 5.1. If the Request has not yet been approved by in3 and you nevertheless do not wish to use in3, you can withdraw the Request by canceling the Purchase and not paying the first Installment to in3.
  • 5.2. If the Request has already been approved by in3, you have already paid the first Installment, and you nevertheless do not wish to use in3, you may at any time pay the full amount to in3 immediately. Your agreement with in3 will then end.
  • 5.3. If you wish to withdraw from the Purchase, Article 8 below explains how you can do that.
  1. Assignment to in3

If in3 approves the Request, you must pay the Claim to in3. This occurs through an assignment of the Claim (a transfer of the Claim) by the Shop to in3. You will receive notification of this assignment.

  1. Three installments
  • 7.1. To use in3, you agree with in3 that you do not have to pay the entire Claim at once upon Purchase.
  • 7.2. Instead, in3 acquires three additional claims (Installments) against you that together equal the Claim. You must pay the first Installment immediately upon Purchase. You pay the second Installment no later than 30 days later. You pay the third Installment no later than 60 days after the Purchase. You do not pay any interest or fees.
  • 7.3. The Claim is subordinated to the Installments, and you agree that you will pay the Claim through payment of the Installments. Every time you pay an Installment, both the Claim and the Installment decrease by the paid amount. This continues until there are no more Installments or Claim left. Therefore, if you pay all Installments on time, you will never have to deal with the Claim again and you will have fulfilled your payment obligation.
  1. Returns
  • 8.1. If you wish to return the Purchase or withdraw from it, you must contact the Shop.
  • 8.2. As long as the Shop does not approve your return, you remain obliged to pay in3 on time and in full.
  • 8.3. If you return the Purchase (wholly or partially) and the Shop approves your return, the Claim and the Installments will be reduced by the return amount. To the extent that the second and third Installments are still outstanding, those Installments will be reduced in the following order: first the third Installment, then the second Installment.
  • 8.4. When the return amount is greater than the outstanding Installments, you will receive the surplus back from in3 into the bank account from which you paid the first Installment. If in3 does not know which bank account you used to pay the first Installment, in3 will inform you of this and provide you with instructions on how you can provide your bank account details. If you have provided your bank account to in3 according to the instructions, in3 will refund the surplus to that bank account.
  1. How you must and may pay
  • 9.1. You may at any time pay the remaining Installments earlier without additional costs.
  • 9.2. You are obliged to pay the remaining Installments earlier if in3 requests this. in3 may request this, for example, if there were inaccuracies in the Request or if in3 is required to do so by law, other rules, or instructions from regulators.
  • 9.3. You can only pay the Installments and the Claim via the payment link that you receive for that purpose from in3.
  • 9.4. The person who pays the first Installment to in3 has entered into the agreement as referred to in Article 4.2 with in3 and is responsible for the timely payment of the second and third Installments. If you paid the first Installment for someone else, or if you have someone else pay the first Installment, you are fully responsible for the payments of the second and third Installments, in addition to that other person.
  1. If you do not pay or pay late
  • 10.1. The date on which in3 receives your payment in the bank account specified by in3 counts as the date of payment. You must therefore account for any processing time of banks yourself. If you pay late, the delay is at your own expense and risk.
  • 10.2. If you do not pay on time, in3 will send you a reminder and/or a notice of default with a payment term. If you still do not pay before that payment term has expired, in3 may charge you for costs. in3 may charge those costs even if you are allowed to return the Purchase and/or return it after the payment term has expired. Costs may include, for example, costs of a lawyer, judicial officer, and collection agency.
  • 10.3. If after 60 days you have not paid all Installments, there is still an amount outstanding. The Claim is then still subordinated to the Installments, and you never have to pay double. If you pay the open amount under the Installments, the Claim decreases by the same amount. And if you pay the open amount under the Claim at the request of in3, the Installments decrease by the same amount.
  1. Communication and complaints
  • 11.3. You cannot contact in3 with questions, complaints, or other messages regarding the Purchase or its delivery. For that, you must contact the Shop.
  • 11.4. If your address or email address changes, you must inform in3 immediately. If you do not do this, in3 will not know that you have a different (email) address and will continue to assume the old one. If you do not receive messages from in3, or receive them late, as a result, this is at your own expense and risk.
  • 11.5. in3 is authorized to communicate with you electronically. Messages can therefore be sent by email or via your account in the in3 application. in3 communicates with you in Dutch, and your agreement with in3 is therefore also concluded in Dutch.
  1. Information
  • 12.1. If the information you have provided (or have had provided) to the Shop or in3 is inaccurate or incomplete, you are liable for all damage that in3 suffers as a result.
  • 12.2. in3 may always request further information in connection with the implementation of laws and regulations. You must provide all information requested by in3 to in3 immediately.
  1. Exclusion of liability
  • 13.1. in3 is not liable for any damage you suffer, unless the damage is for its account on the basis of mandatory law.
  • 13.2. If in3 is liable for damage you suffer, it is only liable for directly suffered loss. in3 is never liable for indirectly suffered loss or for lost profit or other disadvantage.
  1. Assignment to Aion Bank SA/NV
  • 14.1. in3 assigns the Claim and the Installments to Aion Bank SA/NV. This occurs through assignment by in3 to Aion Bank SA/NV. You will receive notification of this assignment. You can find the privacy statement of Aion Bank SA/NV at
  • 14.2. This assignment does not change Article 9.3 above. You can therefore still only pay the Installments and the Outstanding Amount via the payment link you receive for that purpose from in3.
  1. Dutch law and the Dutch court
  • 15.1. Dutch law applies to your agreement with in3 and all non-contractual obligations related to it.
  • 15.2. The Dutch court has jurisdiction to hear disputes in connection with your agreement with in3 and all non-contractual obligations related to it.