Pay Later / Riverty

With "pay later," you can receive your order first and then pay the invoice. The "pay later" option is facilitated by Riverty. Within a few business days after delivery, you will receive a digital invoice for your order; at that point, you will have a limited payment period. Riverty conducts a credit check when you finalize your order. In the unlikely event that you are not approved, you can find more information about this credit check in Section 1.2. For privacy reasons, JohnBeerens.com has no insight into this credit check. You can find more information about Riverty and its procedures in the terms and conditions below. The fee for using Riverty is €1.95 per order. 

Riverty

Riverty® 2022 Terms of Acceptance and Payment

These terms and conditions apply to your visit to this website, your application, the review of that application, and—upon approval of your application—your use of the Riverty post-payment service.

 

 Article 1 Review of the Application

1.1. You have placed an order and have chosen to pay using the “pay later” service (Riverty®) provided by Arvato Finance B.V., which operates under the trade name Riverty (hereinafter “Riverty”).  Your choice does not immediately result in an agreement with the merchant allowing you to pay via Riverty. The merchant and Riverty expressly reserve the right to reject your application without providing a reason. This depends on the outcome of the review of your information. 

1.2. If possible, you will see the result of the review immediately online, along with whether your request has been approved, rejected, or approved conditionally. In principle, this conditional approval is solely the result of a data verification by us. If you wish, you can receive written notification of this decision, including the reasons for it. You can also contact Riverty’s customer service by phone after one business day. 

1.3. Within one business day of the initial conditional approval of your request to pay with Riverty®, Riverty may convert this approval into a refusal to honor the request and thereby deny your use of Riverty® for payment. The conditional acceptance is due to the fact that approval at this stage is based solely on a limited data check. 

1.4. Every retailer is entitled to verify your identity as a consumer when a sales agreement is concluded. To do so, the retailer will use Riverty if you choose to pay with Riverty®. The following information must be provided for this purpose:

  •      Name, address, and contact information. This address cannot be a P.O. box and must be located in the Netherlands;

  •      The registration number in the Chamber of Commerce’s commercial register if you are purchasing through your (sole proprietorship/general partnership/partnership) business;

  •      If you wish to pay as a sole proprietorship, general partnership, or professional partnership, you must also provide the names of the sole proprietor or the partners who legally represent the business in the application;

  •      The bank account number you will use to pay Riverty®; 

1.5. To pay with Riverty®, you must meet the following requirements:

  • You have a billing and shipping address in the Netherlands. This address cannot be a P.O. box;

  • You have not been declared bankrupt, are not in a state of suspension of payments, have not been placed under guardianship or conservatorship, and no application has been filed for any of these. Furthermore, you are not in a situation where you have failed to pay your debts on time.

  • You have the authority to make decisions, or you are represented by someone who is legally authorized to represent you and has the authority to act on your behalf.

  • The order total is neither lower nor higher than the amount the merchant allows you to pay later;

  • By providing your information in order to use the Riverty® payment solution, you expressly consent to the processing of your information and to its verification so that Riverty can properly and carefully assess your payment request and notify you whether it has been (conditionally) accepted;

  • By submitting this application to pay via Riverty®, you declare that you are able to and will fulfill the payment obligations arising from your order in full and on time by paying Riverty in Heerenveen.

 

Article 2: Payment Methods

2.1. Your decision to pay using Riverty’s Riverty® post-purchase payment service, once your request has been accepted, means that the rights regarding the amount you owe for the order you placed are transferred from the merchant to Riverty. This means that, following Riverty’s acceptance, you may only make a payment in full to Riverty. Riverty will send you an invoice stating the amount due, separately from the delivery of the order. The invoice may be sent digitally via email or via the standard European direct debit. If you pay anyone other than Riverty, this does not relieve you of your payment obligation to Riverty. In such cases, you will need to make the payment (again), specifically to Riverty in Heerenveen. 

2.2. Riverty reserves the right—to the extent permitted by law—not to refund any payment fees and/or other costs in the event that you return the order. 

2.3. If you choose the Riverty® post-payment service in combination with direct debit, you expressly authorize Riverty to automatically debit the (shipping) costs from the (bank) account number, and your payment will be deemed to have been made in full once the direct debit has been successfully processed and the reversal period has expired. As soon as your request to pay via Riverty® has been accepted and you will be paying via the standard European direct debit, we will send you a pre-notification confirming your direct debit authorization. You will receive this pre-notification 5 days before we collect the payment. By choosing the Riverty® payment service, you agree to the 5-day notice period. 

2.4. Riverty is authorized to exercise the same rights that the retailer may exercise or could have exercised against you pursuant to the order. 

2.5. Riverty is authorized at any time to unilaterally assign the claim against you to a third party.

 

Article 3: Payment Order Fees

3.1. Any (bank) processing fees incurred by applicants for payment orders are at your own expense and risk. 

3.2. If you have chosen to pay via the standard European direct debit, you must ensure there are sufficient funds in the bank account you provided. If Riverty is unable to collect the amount due from your account, Riverty may charge you additional fees. You can prevent this by paying on time. If Riverty is unable to collect the payment, even after you are in default, the claim will be referred to a collection agency and you will be charged higher fees (out-of-court collection costs). 

3.3. Up to one day before the direct debit transaction, you are legally entitled to revoke the direct debit authorization. In that case, Section 6.1 applies, and Riverty may also charge fees in addition to those specified in Section 6.

 

Article 4 Payment Terms

Riverty must receive your payment within 14 days of the invoice date, unless a different payment term has been agreed upon with you in writing.

 

Article 5 Change of Address

You are required to notify Riverty of any change in your address or email address. Until Riverty receives notification of a change of address, you will be deemed to be located at the address last known to Riverty. Address changes must be submitted by email or in writing to the customer service department of Arvato Finance B.V., c/o Riverty, P.O. Box 434, 8440 AK Heerenveen, phone 020 7230 270. For a phone call with Riverty, you will only be charged the rates set by your telephone service provider.

 

Article 6 Absence

6.1. If you do not pay within the time limit specified in Article 4, the amount due becomes immediately payable, and you will be in default without further notice of default. 

6.2. If you have not paid within 14 days of the invoice date, Riverty will send you a reminder to notify you that the payment deadline has passed. If you do not respond to this reminder, Riverty will send you a (second) written reminder and will increase the amount due by an administrative fee. If you also fail to respond to this reminder, and Riverty is required to send you a formal demand for payment, the administrative fees will be increased once again. 

6.3. As of the date on which you are in default, Riverty is entitled to charge statutory interest on a monthly basis on the amount you owe, you are also liable for administrative fees in accordance with the Collection Costs Act in connection with the payment reminders sent by Riverty, and Riverty will charge you for all reasonable costs incurred in obtaining payment, both in and out of court. If you have opted for direct debit or a one-time authorization, Riverty is entitled to deduct the total amount due, including costs and interest, from your bank account via direct debit or one-time authorization. The minimum amount that Riverty charges for out-of-court collection costs in the event of default is €40 (forty euros). 

6.4. If costs have accrued due to a breach of contract attributable to you, any payments you make thereafter will first be applied toward the costs that have since accrued. Only after the outstanding costs have been paid in full may your payment be applied toward the amount you originally owed.

 

Article 7 Protection of Personal Data of Natural Persons and Use of Data

Riverty respects everyone’s privacy and ensures that information about individuals is treated confidentially. Riverty refers to its privacy statement, which is published on its website at www.Riverty.nl. There you can find all information regarding the processing of personal data, as well as how to request access to the personal data being processed and how to exercise your rights under the Personal Data Protection Act.

 

Article 8 Liability

8.1. Riverty may only be held liable for damages attributable to its willful misconduct or gross negligence, or arising from circumstances that are at its risk under mandatory legal provisions. Riverty is never liable for consequential or business losses, indirect damages, or loss of profits or revenue. 

8.2. If Riverty is required, for any reason whatsoever, to compensate for any damages, such compensation shall in no event exceed an amount equal to the invoice value of the product or service that caused the damage.

 

Article 9 Governing Law and Jurisdiction

Riverty’s services and all contracts it enters into are governed by Dutch law. Disputes shall be submitted to the competent court in the Northern Netherlands, unless the law expressly designates another court as having jurisdiction.