General Terms and Conditions of Sale

Preamble

These terms and conditions are entered into between, on one hand, the company

LP3B SAS, OCARAT.COM
91 rue de Rivoli - 75001 Paris
Paris Trade Register: 520 388 851

Hereinafter referred to as "LP3B SAS, OCARAT.COM," "WE," and, on the other hand, individuals wishing to make a purchase through the LP3B SAS, OCARAT.COM website, hereinafter referred to as "the customer."

The available delivery zone depends on each product. LP3B SAS, OCARAT.COM products can be delivered anywhere in Europe, as well as to French overseas territories (DOM and TOM) and Monaco; however, certain products may have restrictions as indicated on their individual product pages. These terms apply exclusively to private individuals who are not merchants. The parties agree that their relationship shall be governed exclusively by this agreement, to the exclusion of any conditions previously available on the site. Should any term be found to be missing, it shall be deemed governed by the practices in force in the distance selling sector for companies headquartered in France. LP3B SAS, OCARAT.COM undertakes to comply with all provisions of the French Consumer Code relating to distance selling.

We invite retailers, associations, or any other legal entity interested in selling our products to contact us via the messaging feature on our site - Alix, our AI agent, or one of our advisors will handle your request.

Subject

These terms and conditions are intended to define the terms of sale between LP3B SAS, OCARAT.COM and the Customer, covering everything from ordering and services to payment and delivery. They govern all the steps required to place an order and ensure that order is tracked between the contracting parties.

I - Orders

I.1 - Order Formation and Validity

Customers can place orders online from the catalog available on our website or in our Paris store.

An order can only be recorded on the site if the Customer has clearly identified themselves by entering their email address and password, which are strictly personal, or after providing the information required to create their account.

Placing an order constitutes acceptance of the prices and descriptions of the products available for sale.

Prices may change throughout the year based on the season, raw material costs, or the pricing policy of the brands we carry.

The price applicable to a product is the price displayed on the site at the time the customer confirms the order, except in cases of manifest pricing errors.

In the event of a manifest pricing error on a product page, and in accordance with applicable case law, the Company may cancel the order and refund all amounts paid, without being required to make any alternative commercial offer.

Due to the nature of certain products we carry (limited new-old-stock clearance items, limited edition models, display pieces), prices may go up or down. Customers may not claim a price variation or special offer that appeared on the website before or after their order and is no longer active at the time of checkout. Customers may nonetheless contact our customer service team with any complaint, without the Company being obligated to honor a previously offered price if it is no longer able to do so.

LP3B SAS, OCARAT.COM reserves the right, for any order, to request supporting documents or personal information from the Customer as needed to validate the order. Any refusal may result in the order being rejected. Such documents (government-issued ID, proof of address, etc.) will only be requested when strictly necessary.

The Company undertakes to fulfill orders received only within the limits of available stock, whether its own or its suppliers'. If an item is unavailable, the Customer will be notified and may obtain a refund of amounts paid within a maximum of fourteen (14) days, in accordance with Article L221-24 of the French Consumer Code.

For orders containing multiple products, Ocarat will only ship the order once all items are available, in accordance with the date shown in the "Your Orders" tracking section.

All timeframes indicated in hours or days are to be calculated in business hours (excluding Saturdays, Sundays, and public holidays).

An order that has already been converted into store credit to create a new order cannot be converted into store credit a second time to create a third order. The original order will then be refunded, and the customer may place a new order with the products of their choice.

Regarding customization requests and engraving in particular, we remind you that Ocarat refuses to engrave:

• Any metal alloy fineness grade
• Any recognized brand name or brand logo.
• Any text of a discriminatory nature

Any dispute will be handled through the exchange process or the warranties outlined below, in coordination with customer service.

However, for certain products meeting the conditions defined in Article I.2 below, specific pricing and price adjustment terms may apply.

I.2 - Exceptional Fluctuation in Precious Metal Prices

Products for which the manufacturing or procurement of precious metal (including gold, silver, platinum, or palladium) has been initiated following the customer's order confirmation, as well as products that are not listed as in stock at the time of ordering and require a precious metal procurement resulting in a lead time of more than ten (10) business days, are offered at a price calculated based on the metal rate applicable on the day the order is placed.

The order form shows the official metal rate used on the day the order was placed.

The reference rate is the official rate published by the London Bullion Market Association (LBMA), PM fixing (or any equivalent public index should it cease to exist).

In the event of an exceptional variation in the metal price exceeding ten percent (10%) between:

- the rate applicable on the day the order is placed,

and

- the rate applicable on the day the product is shipped (invoice date),

and where this variation is beyond the Company's control and results from changes in the international precious metals market, an adjustment may be proposed to the Customer.

This adjustment is strictly proportional to the observed variation and applies exclusively to the portion of the price corresponding to the metallic raw material, excluding fixed manufacturing, design, labor, logistics, or overhead costs.

The material component is determined according to the calculation method applicable to the product in question, which may be established:

- or based on the actual weight of metal used multiplied by the applicable market rate;

- or based on an internal formula incorporating a percentage representing the material value in the total price.

In the event of an upward variation exceeding the above-mentioned threshold, the Company may propose a proportional upward adjustment.

In the event of a downward price variation exceeding the aforementioned threshold, the Company may offer a proportional downward adjustment, in particular in the form of a store credit or corresponding reduction.

The Customer will be notified in writing and will have forty-eight (48) hours to accept or decline the proposal.

If refused or unanswered within this period, the order may be canceled and all amounts paid will be refunded in full, with no fees or penalties.

This provision is intended solely to offset an exceptional fluctuation in raw material costs. It is not a speculative mechanism and applies exclusively to the materials portion of the price, the agreed price also incorporating fixed costs independent of the metal market rate.

II - Delivery

Preamble:

Given the value of the goods being shipped and the contracts and insurance agreements we have with our carrier partners, the seller reserves the right to send any order directly to a post office for reasons of security, insurance, delivery, or to meet a shipping deadline. In such cases, a phone call will be made or an email sent to the address on the customer account that placed the order.

Products are delivered to the address provided by the customer on the order form.

The customer is responsible for verifying the accuracy of the information provided when entering their delivery address. Our company cannot be held liable for any input errors and the resulting delays or delivery mistakes. In such cases, all costs incurred for re-shipping the order will be borne entirely by the customer, either at the post office closest to their home or at a specific post office of their choosing.

Our company cannot be held liable for delivery delays caused by errors or disruptions attributable to carriers (including total or partial strikes affecting postal services and transportation and/or communications, pandemic crises, weather conditions making parcel delivery difficult, delivery destinations in conflict zones, or force majeure events).

If a package arrives damaged, opened, incomplete, with a missing item, or with a non-conforming product, the Customer is asked to notify Ocarat as soon as possible - ideally within 48 business hours of receipt - and to provide any relevant information to support their claim.
Reporting the issue promptly helps facilitate verification and, if applicable, the opening of an investigation with the carrier. This does not affect the Customer's legal rights, particularly with regard to the statutory warranty of conformity.

If the delivered products do not match the technical specifications listed on the website, the seller undertakes to provide a prepaid return label to recover the package. Once the package has been received, the seller undertakes to ship the items from the customer's original order at its own expense.

The customer will be notified by email when their parcel is handed over to the carrier, along with a tracking link. If a delivery is delayed by more than five days compared to the date indicated in the shipping confirmation email, we recommend the customer follow the tracking link and check with the carrier that the parcel has not been damaged. If necessary, please report the delay by calling us or using the messaging feature on our site - Alix, our AI agent, or one of our advisors will handle your request.

In the event that a customer fails to collect their parcel from a pickup point, the company cannot be held responsible for the delay in returning the parcel to the sender, and will only be able to process the follow-up once the unclaimed parcel has been received.

For in-store pickup orders, the customer must wait for an email confirmation including the store address before making their way there. Any product from an order not picked up within six months will be relisted for sale, and the order amount will be credited as store credit to the customer's account where our accounting procedures allow. No more than one store credit can be applied to a given order; any order that would generate a second credit will be directly refunded instead. If the customer does not wish to keep the store credit, they may request a refund in writing via our on-site messaging system, Alix our AI agent, where one of our advisors will handle their request.

1) Our Shipping Partners

La Poste is our long-standing partner. We have chosen the "Colissimo" service to ship your orders throughout France, including areas where some private carriers cannot deliver - whether to your home, a local pickup point, or a post office for maximum security.

You can also choose express shipping with Chronopost home delivery or pickup point.

You can view the different delivery options here.

2) Delivery Timeframes

Please note that the pre-shipment lead times shown on the site (per product) are in addition to the delivery times, which begin once the carrier takes charge of the parcel. Lead times are counted in business days for France, Monday through Friday. Please allow for national public holidays, which may vary from year to year. All timeframes are given as estimates and should not be treated as guaranteed deadlines.

The estimated dispatch date is visible in the customer's account under the "Order History" section, then under "Originally Announced Dispatch Date."

Exceeding these timeframes does not give rise to any obligation on the seller's part to provide financial compensation to the customer. Any goodwill gestures remain at the seller's discretion.

3) Shipping Rates

We invite you to visit the dedicated page here.

4) Transfer of Ownership

Article L 216-2 of the French Consumer Code: "All risk of loss or damage to the goods is transferred to the consumer at the moment the consumer or a third party designated by them physically takes possession of the goods."

The customer becomes responsible for the received products as soon as they take possession of the parcel containing their order.

Reservations made to the carrier such as "the package packaging is damaged", "the security seals are not present on the box", "the security seals have been cut on one side of the box", "the pouch and its tamper-evident adhesive has been opened and resealed with a third-party adhesive strip", "the package weight is abnormal compared to what should be inside", etc., require the customer to immediately refuse the package and have it returned to the sender.

As a precaution, and if possible, we ask the customer to photograph any damage observed before returning the package to the sender. This will help us file a stronger claim with the carrier. That said, please note that the notation "subject to inspection upon unpacking" does not in any way void the transfer of ownership. It is therefore essential to refuse the package, clearly stating the reason for refusal on the delivery slip IN LEGIBLE INK. The customer must also sign the slip. You may also take one or more photos of the package damage and send them as evidence using the messaging tool on our website, where Alix, our AI assistant, or one of our advisors will handle your request.

As a reminder, and in accordance with postal regulations, carriers or drop-off point and post office staff are not authorized to be present when a parcel is opened, for reasons of confidentiality and the safety of goods and persons. They are only authorized to record the condition of your parcel as noted in your reservations.

For home delivery, if your parcel was left in your mailbox, with a neighbor, or with a building manager and has not been opened and you notice an anomaly: return it to a post office no later than the following business day. For a Chronopost home delivery, you may also bring it to the Chronopost sorting center serving your area, or contact their customer service by phone at 09 69 391 391 (standard rate call, available Monday to Friday from 8h to 19h and Saturday from 8h to 12h).

In accordance with Article L.221-15 of the French Consumer Code, we are not liable for the loss or damage of a parcel if the fault is attributable to the consumer, to force majeure, or to a third party.

When picking up your parcel at a collection point (post office, retailer, click & collect, etc.) or receiving it in person with a signature, our carrier partners may verify your identity by requesting a government-issued ID, a security code sent by SMS to your mobile number, a QR code sent by email, or any other verification system they may put in place to secure the handover of your parcel.

The package cannot be delivered to a third party not named in the sales contract. If you wish to have your order delivered to a military base, a healthcare facility, a P.O. box, a hotel, or a third-party carrier for international forwarding (Article L216-3 of the French Consumer Code), etc., we will require a written statement confirming that you are aware of this contractual framework and that you accept responsibility for your package being handed over to an unnamed third party not identified by a first and last name provided in advance in your delivery details. By doing so, you waive any recourse against the seller in the event of loss or damage to the package.

5) Delivery Issue with Carrier

We invite you to first consult our FAQ on this topic.

The seller commits to taking all necessary steps to find a solution for the customer.

If your parcel experiences a delivery issue, please contact our customer service team within 48 business hours of your delivery (failure to do so may result in your claim being dismissed) and describe the problem (parcel marked as delivered but not received, parcel held at a distribution center, damaged parcel, etc.). Our customer service team will guide you on the next steps based on the issue. In most cases, an investigation will be opened with La Poste, Chronopost, or Mondial Relay. We can only act once the investigation has been closed, which takes an average of 21 business days. This timeframe will be doubled for international investigations outside the European Union.

If you wish to open an investigation, click here. For packages showing a delivered status that the customer claims not to have received, the carrier will require a sworn statement to be completed using CERFA form 11527*02 (which our customer service team will send you) along with a copy of a government-issued ID. The carrier may also request that a theft complaint be filed against an unknown party. Without these documents, the investigation will be delayed and may not reach a resolution.

If you received an empty package or a package with a missing item, and you did not note any reservations at the time of delivery - given that ownership of the goods has been transferred to you - we ask that you send us a copy of your government-issued ID and write out the sample sworn statement below, making sure to include the legal notice regarding penalties for false declarations, and sign it by hand.

"

First Name LAST NAME
Address
Zip Code - City
Phone Number
Email Address

Subject: sworn statement regarding a parcel marked as delivered but received empty

I, the undersigned, [Mrs./Mr. First Name LAST NAME], hereby declare on my honor that I have not received parcel number [enter the carrier's tracking number], containing [enter the reference number(s) of the product(s) purchased on our site] corresponding to [name the product(s)], even though the [name the carrier] carrier's website indicates, according to their delivery tracking, that the parcel was delivered without reservation or any evidence of tampering.

I acknowledge that making a false sworn statement is punishable by law under Article 441-7 of the French Penal Code by up to one year's imprisonment and a fine of 15 000,00 €.

In witness whereof.

Done in [City], on [date]

[Handwritten signature]

"

Once we have received your ID and the duly completed and signed declaration, we will be able to open an investigation with our carrier (average resolution time: 21 days) and file a complaint with the competent judicial authority, attaching your sworn statement and proof of identity.

Once the investigation initiated with the carrier has been closed in the recipient's favor.
The company commits to reshipping the product within the timeframes indicated on our site at that time. A refund will only be offered if the product has been discontinued from our catalog and can therefore no longer be ordered from the supplier. Reshipping will be carried out at our expense to the post office closest to the customer's home (or the post office of their choice if they have a preference).

6) Delivery via our partner "Coursier.fr"

This service is available on request via our on-site messaging system, Alix our AI agent, where one of our advisors will handle your request, on a selection of available and eligible products (without customization), subject to a delivery address within Paris.

Delivery via "Coursier.fr" allows you to receive your order at home within 3 to 5 hours maximum on business days for any order placed between 9h00 and 16h00, Tuesday through Saturday.

The "Coursier.fr" delivery option will be offered on the carrier selection page during checkout if the eligibility conditions for this service are met.

III - Ocarat Services

LP3B SAS, OCARAT.COM offers customers complementary services, either free of charge or for an additional fee.

Free services:

- Customers can ask any question or resolve any issue regarding their relationship with LP3B SAS, OCARAT.COM through our on-site messaging tool, Alix our AI agent, where one of our advisors will handle the request.

Paid services:

- Gift packaging:

Gift wrapping is available before checkout and is priced at 5 euros.

The gift packaging is a drawstring recycled cotton bag. Several sizes are available depending on the size of your product's jewelry box. The design may be updated according to seasonal collections.

(*Large leather goods items cannot currently be included in this offer - for example, backpacks or tote bags. If in doubt, don't hesitate to contact us via the messaging feature on our site - Alix, our AI agent, or one of our advisors will handle your request.)

For hygiene and safety reasons, gift pouches cannot be returned or exchanged.

- Ocarat quartz and automatic watch extended warranty:

The warranty extension is an extension of the existing manufacturer's warranty.

Likewise, the warranty does not cover normal wear and tear or replacement parts such as watch straps or protective glass.

The price of this extension is 5 euros for a quartz watch and 10 euros for an automatic watch.

- The Ocarat e-gift card:

This is a payment method, not a discount voucher, available in various denominations as shown on the product page here.

Your gift card code should be entered during checkout in your cart under the heading: "e-gift card - discount voucher"

The Ocarat e-gift card is valid on all products and services offered on Ocarat.com.

The Ocarat e-gift card can be combined with one or more gift cards in your cart.

The Ocarat e-gift card is valid for 1 year.

The Ocarat e-gift card is non-exchangeable and non-refundable.

The Ocarat e-gift card cannot be purchased using discount vouchers and/or converted Ocarat loyalty points.

The Ocarat e-gift card can only be assigned to a single recipient.

If your order total exceeds the value of your Ocarat e-gift card, you will need to pay the difference.

The Ocarat e-gift card must be used in full and cannot be partially credited if the balance is not entirely spent.

- "Personalized Rings Guarantee"

In case you weren't aware, a personalized product becomes a unique, made-to-order item - and as such, it is no longer covered by the standard return policy (Article L221-28 of the French Consumer Code).

That's why Ocarat offers its "Personalized Rings" guarantee.

This option gives you an exceptional 30-day return window or a 1-year ring resizing service for your personalized ring. (Services cannot be combined.)

This option saves you the depersonalization fees that would normally apply when returning an engraved product. (These fees start at a minimum of around 25,00 € and may increase depending on the material engraved.)

Terms:

This guarantee is valid if and only if the returned product is intact and in a resalable condition.

If the size change results in a price difference, payment or reimbursement of the difference will apply. If needed, feel free to request a ring sizer or to reach out to our customer service team for assistance.

This warranty covers one full year from the delivery date and is valid only once during its validity period.

This warranty does not apply to products engraved on a brushed surface, or to any product whose description specifies that in the event of customization the product will not be accepted for return or exchange.

- "Personalized Product Warranty"

In case you weren't aware, a personalized product becomes a unique, made-to-order item - and as such, it is no longer covered by the standard return policy (Article L221-28 of the French Consumer Code).

For this reason, Ocarat offers its "Personalized Products" guarantee.

This option entitles you to an extended 30-day return policy and waives the engraving removal fees that would normally apply when returning a personalized product.

Terms:

This warranty is valid if and only if the returned product is intact and in resalable condition.

This warranty does not apply to products where the description states "no return or exchange," such as name necklaces or engraved watches.

This warranty covers a full year from the date of receipt and is valid only once during its validity period.

- "Resizing Guarantee for Non-Personalized Products"

Did you order the wrong ring size?

Has your finger changed size over time?

No worries - Ocarat has you covered with its "Resizing Guarantee for Non-Personalized Products":

If for any reason you need to have your ring resized, the Ocarat jewelry workshop will handle the alteration for you.

Terms:

In the event of a full product replacement, this warranty is valid if and only if the returned product is intact and in resalable condition.

If the size change results in a price difference, payment or reimbursement of that difference will be required.

If needed, feel free to request a ring sizer or reach out to our customer service team for assistance.

This warranty covers a full year from the date of receipt and is valid only once during its validity period.

IV - Payment Methods

Payment Methods and General Rules Governing Order Fulfillment After Use of a Payment Method

Section 1 - Payment Methods

The Customer may choose to pay for purchases online or in-store using:

- ONEY Bank our long-standing buy-now-pay-later partner, offering interest-free or interest-bearing installment options with near-instant approval (see Section XVI of our Terms and Conditions).

Please note that in-store financing approval may be immediate or, in exceptional cases, may take longer for a payment facility or credit requested by the customer, if our financial partner requires a more thorough review of the financing application.

- PAYPAL via a personal PayPal account held by the customer and verified by PayPal. Immediate acceptance.

- MONETICO (CIC) Credit Card

Payment terms: the full order amount is charged within 24 to 48 hours of placing the order.

via MONETICO payment in 1 installment by credit card (American Express accepted). 3D Secure bank verification protocol

via MONETICO payment in 2 installments (from 100,00 €), 3 installments (from 750,00 €), or 4 installments (from 1 500,00 €) with a cap of 10 000,00 €. 3D Secure bank verification protocol

Terms: Minimum order of 100,00 € including VAT. The first installment is debited on the order date, followed by subsequent installments at M+1, M+2, etc. (order dates: 11/01; 11/02; 11/03). The order is split into 4 equal installments. Products remain the property of OCARAT until fully paid.
In addition to requests for supporting documents or bank account authentication procedures, for high-value orders our finance team may ask you to provide guarantee checks to cover any missed installment payments. If we do not receive these checks, we will be unable to process your order, and any amount already received by Ocarat will be refunded to you. These procedures, a necessary counterpart to the installment payment facility, may extend the shipping timeline depending on your response time.
Please note that this installment payment option is a cash facility and carries responsibilities, particularly in the event of a card dispute (loss, theft, etc.) or insufficient funds. Should a payment be missed on any installment, Ocarat may suspend the processing of new orders or ongoing shipments until the situation is resolved. This suspension does not affect the exercise of your legal consumer rights (return policy, legal warranties, owed refunds) or the handling of after-sales service requests already in progress. In the event of non-payment, legal means will be used to recover unpaid installments, which may result in additional charges. Consequently, should a payment default not be remedied after formal notice has gone unanswered and following a reasonable period of time, Ocarat reserves the right to demand early repayment of the outstanding balance, subject to applicable law and the principle of proportionality.

- MONETICO (CIC) Bank Transfer

Terms: Single payment by bank transfer with no cap, following the procedure outlined on the site. Purchases will appear on your bank statement. Processing takes slightly longer at 48h, but there will be no request for supporting documents - this payment method remains the most secure option for both the seller and the customer.

Paragraph 2 - General Rules Governing Order Fulfillment After Use of a Payment Method

a) Identity Verification and Payment Security

As part of fraud prevention and payment security, Ocarat may, on the recommendation of its bank, carry out checks to verify the customer's identity and confirm that they are the legitimate holder of the payment method used.

In accordance with:

Article L133-44 of the Monetary and Financial Code (securing payment transactions),
Articles L312-16 and L312-17 of the Consumer Code (creditworthiness assessment for payment facilities),
Article 6-1-f of Regulation (EU) 2016/679 (GDPR) regarding the legitimate interest of the data controller in fraud prevention,
and the recommendations of the CNIL,
Ocarat may ask the customer to provide:

- an official government-issued ID,
- a photograph of the front of the credit card used for the order (the CVV security code must not be captured).

These documents are used solely to verify the customer's identity, prevent fraud, and secure the transaction. They are retained for the minimum period necessary for this verification, up to a maximum of six months, then deleted or anonymized.

If the requested documents are not submitted, Ocarat reserves the right to refuse the order, cancel it, or suspend the installment payment arrangement.

b) Non-payment

Generally, in the event of non-payment, incorrect contact details, or any other issue detected on the Customer's account that may indicate identity fraud, LP3B SAS, OCARAT.COM reserves the right to place the Customer's order on hold until the issue is resolved, and if necessary to cancel the order, in accordance with the mirror refund procedure described in Section VII of these general terms and conditions of sale.

More specifically regarding orders in the event of prior non-payment, the Company reserves the right to refuse or suspend any order from a Customer with whom a dispute exists relating to the payment of a prior order. In the event of an outstanding unpaid balance, the Company may make acceptance of any new order conditional on prior payment of the amounts owed under previous invoices. No automatic offset may be applied by the Customer between a new order and a prior debt, unless the Company has given express prior consent. In the event that the Customer makes a payment for a new order while an outstanding balance remains, the Company may only apply the amounts received toward the settlement of the prior debt with the Customer's express agreement, in accordance with Article 1342-10 of the French Civil Code. The Company also reserves the right to cancel the order if the situation is not rectified within 10 days of notification sent to the Customer.

c) Multiple Orders

In the event of multiple orders placed using different installment payment methods, we reserve the right to review the number of outstanding orders and restrict them accordingly, including reducing them to a single active order. Any additional orders will be canceled and refunded in accordance with the mirror refund procedure described in Section VII of these General Terms and Conditions of Sale.

d) Product or Order Over 4 000 €

Any order or payment exceeding 4 000 € (excluding secure single-payment bank transfers via MONETICO or PayPal) may be subject to enhanced verification to secure the transaction and prevent fraud. In this context, Ocarat may contact the customer and request proportionate verification documents.
Following the review, Ocarat may offer the customer a more secure alternative payment method (MONETICO bank transfer or PayPal in one payment). If no agreement is reached or the review cannot be completed, the order may be cancelled and fully refunded in accordance with the mirror refund procedure set out in Section VII.

e) Store Credit

Store credits offered as a commercial gesture and expressly accepted by our customers in lieu of a refund are issued as gift vouchers valid for one year. After this period, the voucher is considered expired and can no longer be used. Customers can view their vouchers and expiration dates at any time in their personal account under "Your Discount Vouchers" (click here).

V - Pricing

Prices displayed on the site are shown based on the selected delivery zone:
EU (excluding overseas territories, BELGIUM): French VAT applicable on the order date.
BELGIUM: Belgian VAT applicable on the order date.
Outside EU / Overseas Territories: Tax-exclusive prices.

These prices do not include handling fees (shipping, packaging, and order preparation, as per current rates). Any change in the applicable tax rate may be reflected in product prices. After this date, prices are subject to change at any time. However, prices cannot be changed once a customer's order has been placed.

Likewise, should any taxes or levies, including environmental ones, be introduced or modified - whether upward or downward - such changes may be reflected in the sale prices of items listed on the LP3B SAS, OCARAT.COM website and in sales documents.

Prices listed on the website may be changed without notice, whether up or down.

In the event of a stock shortage or unavailability of one or more products after an order has been confirmed, Ocarat will make every effort to notify the Customer as soon as possible and, where possible, offer a suitable replacement.

However, such a proposal shall not constitute a commitment to automatically provide an equivalent or higher-quality product, nor a guarantee that the originally agreed price will be maintained.

Due to fluctuations in raw material costs - particularly precious metals - as well as ongoing changes in supplier pricing, any potential replacement product will be offered at the pricing conditions in effect on the date of that new proposal and will remain subject to the Customer's express agreement.

If no restock is available or the Customer does not agree to an alternative solution, the order will be canceled for the unavailable item(s) and refunded accordingly, in accordance with these general terms and conditions of sale.

Some products may have size options (rings, wedding rings, etc.). The price is listed for each size. Please note that the weight of the materials making up each product is given for the reference size (indicated on the product page) and may vary with a change in size. When the price changes based on a product option, any exchange for a different option will result in the price difference being charged or refunded - for example, a gold ring sold at 100€ in size 50 and at 110€ in size 54 will be exchanged against the price difference. Products made of gold, platinum, silver (and alloys) that must be registered in the police log in accordance with regulations are weighed. A tolerance of "10% of the actual weight of the item, not exceeding three grams per item" is permitted, meaning a positive or negative weight variance may exist between the theoretical weight shown on the product page and the measured weight of the item. This variance is inherent to the manufacturing process and will not give rise to any refund or additional charge for the material difference.

VI - The Ocarat Benefits

Paragraph 1 "Free Pickup Point Delivery in Metropolitan France and Belgium"

Free delivery in metropolitan France and Belgium applies to all orders eligible for the Colissimo carrier service.

Paragraph 2 "Special Offers"

The item included in the special offer bundle represents the purchase of a main product paired with a complementary product sold at an attractive price, together forming a bundle.

If you exercise your right of return, any item included as a special offer must also be returned in perfect condition in order for your refund to be processed. (Non-returnable consumable items excluded.)

If you choose to keep the item offered as a special deal, it will be treated as a regular purchase. The difference between its original retail price and the discounted price will be deducted from your refund.

This offer is valid while supplies last.

Paragraph 3 "-10% with code WELCOME"

Get 10% off on a selection of eligible products - the discount code will be displayed on the product page.

How does it work?
Simply add this product to your cart and enter the code WELCOME in the "discount code" field.

The discount will be applied immediately to the product.

What are the terms?
This discount code is valid from 01/01/2026 at 8h00 to 31/12/2026 at 23h59.
This offer cannot be combined with other promotions.

Section 4 "Ocarat Loyalty Points"

For every euro spent on Ocarat.com, your loyalty account is credited with 1 loyalty point, worth 5 euro cents.

Example: For a 100-euro order, you will earn 100 loyalty points, which equals a 5-euro discount voucher.

Ocarat loyalty points are a benefit granted to our loyal customers and may be removed or suspended following a payment default or misuse of these points.

Non-deliverable offers and services do not earn loyalty points.

Accumulated points cannot be transferred, assigned, or exchanged in whole or in part for cash. Points have no monetary value and cannot be used to purchase an Ocarat e-gift card.

Loyalty points are valid for 1 year from the date they become available (order delivered for 30+ days) and automatically expire on the anniversary date of that delivery, with no possibility of extension.

Loyalty points are considered non-redeemable until the return policy* period for the order has ended, i.e., 30 days after delivery. (*30 days at Ocarat vs. the statutory 14-day period)

The generated discount voucher may only be used for a cart with a value equal to or greater than the value of the voucher.

The discount voucher is valid for 30 days on the entire catalog and can be combined with current offers.

If a Member requests a refund for a purchase, the loyalty points accumulated from that purchase will be deducted from the Member's loyalty account (i.e., 1 € refunded = 1 point deducted, rounded down to the nearest euro actually refunded).

Converted loyalty points are non-recoverable except:

if the customer cancels their order before delivery
if the customer submits a valid return within the return policy period

Ocarat may ask its customers to waive the accrual of these points as part of an exceptional promotional offer granted to them, such as when activating and validating the "Price Difference Refund offer

Ocarat reserves the right to modify or discontinue the loyalty program, in whole or in part, without prior notice.

Where applicable, customers holding points will be notified of the change and given a reasonable timeframe to redeem their remaining points. Once that period has passed, the change will not entitle customers to any compensation or benefit of any kind.

VII - Right of Withdrawal / Return Policy / Refunds

Paragraph 1 - Right of Withdrawal

Under the provisions of Article L. 221-18 of the Consumer Code, you have 14 days from receipt of the products to exercise your right of withdrawal, with no need to provide a reason and without penalty.

However, as our site specifies a 30-day period, this return window is extended from 14 to 30 calendar days.

The customer's return request must be submitted within 30 days of the date of receipt or collection of the parcel. Any return not made within 30 days of receiving the order - unless our customer service team has provided written authorization - will be refused, except during the year-end period when we may extend this deadline, as expressly stated on our site.

During the holiday season, any order delivered between November 15 and December 15 will have its "satisfied or refunded within 30 days" guarantee extended through January 15 of the following year.

Paragraph 2 - Return Policy Conditions

To be accepted as part of a return under our return policy, the product must be returned: intact (with no signs of wear) and complete (i.e., in perfect resalable condition) in its original packaging, accompanied by all accessories (batteries, chargers, bracelet, links, etc.), instruction manuals, and warranty card if included. If any items are missing or the product shows irreversible signs of use, the customer will be notified by email, the return will be refused, and the item will be sent back to the sender - unless a restoration is possible, in which case a paid quote will be provided at the customer's expense, which they are free to accept or decline, and their decision will determine the final outcome of the return.

Article L221-23 specifies that the consumer may be held liable for any depreciation of goods resulting from handling beyond what is necessary to establish the nature, characteristics, and proper functioning of those goods. The consumer is therefore responsible for any depreciation of the product resulting from handling beyond what is necessary to test the product.

Return shipping costs are the customer's responsibility. Customers may freely choose their preferred shipping method to return their item(s) to Ocarat / LP3B. Depending on the chosen shipping method, the customer is responsible for packaging and preparing the products so they can travel without risk of damage.
In the event of a clear error on the part of Ocarat / LP3B, a prepaid return label will be provided if the geographic area permits; otherwise, a flat-rate reimbursement toward return shipping costs may be offered if those costs are reasonable and in line with standard local carrier rates.

We ask our customers to prepare their return by going to their customer account under "Your Orders" and then "Details" to initiate their product return, in order to speed up processing time and receive the best return assistance at our facilities.

In accordance with French law, precious materials must be shipped by registered parcel with delivery confirmation. We recommend that, within your means, you take care to insure your product by opting for the insurance offered by the postal service that corresponds to the value of your item. Please note, however, that we advise against choosing a return with declared value, as our teams are not insured to collect parcels from post office branches. When a customer arranges a product return independently, in the event of a parcel lost by the carrier, receipt of an empty parcel, or receipt of a wrong product in the returned parcel, we cannot be held liable, as the transfer of ownership is compromised by the absence of the parcel, the absence of the product inside it, or the return of the wrong product.

For all watch warranty claims and service requests, please include the manufacturer's warranty certificate when one has been issued by the brand. If it is not provided, additional charges may be applied by the brand.

Privilege Prepaid Return (Metropolitan France)

For our customers residing in metropolitan France who have placed an order with Ocarat, we make returns easy by offering a Privilege Prepaid Return - a prepaid Colissimo label (to view the current rate, click here), regardless of the value or weight indicated on your parcel.

Please note that to use this service you will need access to a printer to print the "Prepaid Privilege Return" email.

If this option interests you, simply follow our return procedure by going to your customer account under "Your Orders", selecting the order for which you wish to make a return, checking the product(s) to be returned, indicating the reason if possible along with your preference and any additional information, then clicking "Generate Your Return". A window will open where, in addition to downloading your return form - which must be included in your parcel or transcribed onto a blank sheet of paper if you do not have a printer - you can click the "Pay for Your Colissimo Label" button, which will send you by email, once payment is complete, your Ocarat Privilege Prepaid Return label, ready to print and stick on your parcel. You can then drop off your parcel at a post office branch - be sure to keep the stamped proof of deposit from the detachable portion of the label - or arrange for your mail carrier to pick up the parcel directly from your mailbox using the following link with the parcel number you will have received by email: Request a parcel pickup from my mailbox

Please note: no refund or store credit will be issued for a returned parcel that arrives empty.

Finally, any alteration and/or modification of the return label we send you by email will void our insurance and our liability for the contents of the parcel.

Paragraph 3 - Product Refunds

Regarding refunds, our site is subject to Article L. 221-24 of the French Consumer Code.

A customer exercising their right of withdrawal in order to request a store credit or a refund must send a written request by registered mail to the company's registered office, or via our on-site messaging system, Alix our AI agent, where one of our advisors will handle their request. This request must be authorized by the company, which will confirm the request in writing. The refund must then be processed within 14 days of confirmation by our customer service team.

When one or more items are returned, once the merchandise has been received and within a timeframe that allows for a thorough inspection of the returned product, the customer account will be credited with the original amount of the returned item(s). Refunds will be processed within 14 days from the moment our after-sales service confirms acceptance of the return to the customer - confirmation will be sent by email. The available credit can be refunded or used as store credit, in full or in part.

All items are eligible for exchange, store credit, or a refund, unless otherwise stated in the product description. As a general rule, "goods made to the consumer's specifications or clearly personalized" are not eligible under Article L. 221-28 (for example: a name necklace, an engraving on a watch, or a jewelry piece with a brushed surface). However, unlike what Article L. 221-28 would otherwise require, we can refund personalized items that do not carry a contrary notice in their description (for example: an engraved wedding ring), after deducting the cost of depersonalization based on a quote. Non-personalized returned items must be in perfect condition to be restocked; if they are damaged, we may refuse the return or charge a restoration fee if restoration is possible.

Below are the modifications that prevent us from accepting the return without fees (excluding products unfit for resale):

Ring Resizing => Requesting a ring resizing implies full acceptance of the product by the customer. By taking this step, the customer confirms that the sale is final.

Engraving (name, date, other…) => if a return is possible, it will be subject to a quote.

Loss or damage to a stone => if repair is possible, a quote will be provided.

Other customizations => if a trade-in is possible, a quote will be provided.

Impact or scratch => if a trade-in is possible, a quote will be provided - minimum 30 € incl. tax

Custom-made products => if a trade-in is possible, a quote will be provided.

Refunds on earrings or similar piercing-style products

Please note that Ocarat store teams do not perform piercing installations, and we remind you that under the French Public Health Code, it is prohibited to perform the techniques referred to in Articles R. 1311-1 and R. 1311-6 on a minor without the written consent of a person holding parental authority or their legal guardian.

The "piercing" products sold by our company are intended for already-pierced openings. For "first-time placement," the product must be handled by a professional or someone well-informed of the necessary precautions. Products are therefore sold under strict hygiene conditions to minimize the risk of infection. This includes compliance with universal hygiene standards.

Regarding the right of withdrawal, Article L 221-28 of the French Consumer Code states that the right of withdrawal cannot be exercised for contracts involving goods that have been unsealed by the consumer after delivery and cannot be returned for hygiene or health protection reasons. We do not ship sealed products, so you may return unworn items in perfect condition within 30 days of delivery. However, depending on the product's intended use, deductions for cleaning or refurbishment costs prior to resale may be applied to your refund - our after-sales service will notify you if this is the case.

Refund via mirror procedure:

Refunds are processed via the payment method used by the customer at the time of purchase, except for payments made by check, which may be refunded by bank transfer for the customer's convenience - in which case the customer will be asked to provide their bank details.

If the customer has changed their bank account or if the purchase can no longer be refunded via the original payment method, the company will follow its bank's recommendation regarding the appropriate payment method to use for the refund, and supporting documents may be requested to justify the change.

VIII - Warranties

VIII.A - Statutory Warranty of Conformity (24 months) (art. L217‑3 to L217‑32 of the French Consumer Code)

The Customer benefits from the statutory warranty of conformity provided for in Articles L217-3 to L217-32 of the French Consumer Code. Defects appearing within 24 months of delivery are presumed to have existed at the time of delivery.

VIII.B - Complementarity of Warranties (Art. L217-15 Consumer Code)

This statutory warranty applies regardless of any applicable commercial warranty. The commercial warranty is in addition to the statutory warranties and does not limit or replace them.

VIII.C - Exclusions (Normal Wear and Tear) (Art. L217-5 Consumer Code)

Excluded are any deteriorations resulting from normal wear and tear related to use, as well as damage caused by misuse, impact, negligence, or unauthorized intervention.

VIII.D - Timeframe for Remediation (Art. L217-10 Consumer Code)

In the event of a defect, the seller will bring the item into conformity (repair or replacement) within a maximum of 30 days from the consumer's request, provided the item has actually been made available.
This remedy will be carried out at no cost and without significant inconvenience to the consumer.
Under Article L217‑10, paragraph 2 of the Consumer Code, a period exceeding 30 days may be offered to the consumer when specific circumstances justify it (e.g., sending the product to the manufacturer abroad, diagnosis time, or technical estimate).
Any such extended timeframe must be expressly agreed to by the consumer, stating the estimated duration of the intervention.

VIII.E - Goods with a Digital Element (Art. L217-19 et seq. Consumer Code)

Where the product includes a digital element, the seller ensures that necessary updates to maintain conformity are provided for a minimum period of two years from delivery.

VIII.F - Ocarat Commercial Warranty (jewelry & watches) (art. L217‑15 and L217‑16 C. conso.)

Jewelry creations designed and assembled by LP3B / OCARAT.COM carry a 3-year commercial warranty covering any structural defect in design, manufacturing, or stone setting.
Watches or jewelry from other brands are covered by the manufacturer's warranty, for the duration stated on the product page.
The commercial warranty covers in particular:
• the quality of the setting (integrity of prongs or bezel, absence of play or abnormal movement);
• the strength of soldering and mechanical assemblies;
• for diamonds, a quality certificate is provided and available upon delivery of the product.
This may be:
- an internal LP3B certificate, indicating the shape, cut, color, and clarity of the stone, established according to industry standards;
- or a certificate issued by a recognized body such as GIA, HRD, or IGI, depending on the characteristics and shape of the diamond concerned.
• for colored gemstones, the jewelry product page describes, to the best of our ability, the nature of the stone (e.g., color, clarity, any treatment) based on available information and professional standards.
In the absence of precise European standards or regulations, we make every effort to provide as reliable a description as possible.
Only stones whose origin is certified upon request may be accompanied by an external gemological certificate (e.g., LFG, GIA, Gübelin, SSEF...).
Excluded from the commercial warranty are:
- normal wear and tear (scratches, micro-impacts, loss of luster from regular wear),
- damage caused by misuse, impact, dropping, or unauthorized intervention,
- consumable components such as leather straps, mineral crystals, batteries, or any other everyday accessory.

IX - Certificates

Kimberley Process

LP3B guarantees the origin of its diamonds under the Kimberley Process. We select our suppliers so that all diamonds we sell require this certification. In concrete terms, the Kimberley Process was launched in May 2000 by the United Nations with the aim of halting the trade and circulation of conflict diamonds (rough, uncut diamonds). The agreement was adopted and entered into force in 2003, helping to limit the financing of conflicts through diamond sales, particularly in certain African countries.

Find out more about the Kimberley Process by clicking the following link

https://www.kimberleyprocess.com/fr

IGI, HRD, GIA, or LP3B Certificates:

We guarantee the quality of the materials we use. All cut white diamonds are systematically certified from 0.50 carats by one of three institutes - IGI, HRD, or GIA - and we provide you with the original certificate. For smaller sizes, the certificate is issued by our gemologists.

X - Price Match Refund

Terms and Conditions of Application

The product "price" is the price displayed by the seller on the product page and excludes discounts tied to clearance events (sales, private sales, liquidation). Some sites display all their prices as "crossed out" to indicate a difference from the brand's recommended retail price - we use the product price to compare our rates. Prices are compared including mandatory paid services such as shipping fees, insurance, or taxes.

To be eligible for a refund, the price difference must meet all of the following conditions:
- The product must be identical in every way.
- The service conditions must be identical: product warranty, quality, label origin, etc. In particular, the site must be a direct retailer - price comparison engines are therefore excluded; marketplaces must first have an approved preliminary refund request on file, and the reseller using the marketplace distribution channel must be French (see following condition).
- The competing offer must be made by a site, seller, and official reseller operating under French law, in euros including VAT. Prices compared with overseas territories will be adjusted to include sea freight duties, customs duties, and will be calculated excluding VAT.

- The delivery time must not exceed the timeframe announced by Ocarat by more than one month.
- The customer's request must be submitted to Ocarat.com within five days of purchase at the latest.
- You may receive a refund of the price difference on any order as long as the product is available on the third-party site and listed at a lower price than ours (subject to exclusions - see below)

Exclusions

The offer does not apply to:

- Products on sale or discounted from the regular retail price, or from a liquidation or private sale.
- Products sold as part of an Ocarat.com "special offer" bundle.
- Products that are out of stock or unavailable on the competing site at the time of verification, in compliance with below-cost selling regulations.
- Second-hand products.
- Intangible products: extended warranty, cleaning service.

Haven't made your purchase yet? Submit your request through our on-site messaging tool, Alix our AI agent, where one of our advisors will verify that we will indeed refund the difference.

The purchase must be made within 48 hours of the response to your request.

No request is excluded - you can reach us through the messaging tool on our website, where Alix, our AI assistant, or one of our advisors will handle your inquiry. Our customer service team is also available by phone to walk you through the process, but all requests must be finalized through the website.

If a price difference reimbursement is agreed upon, the purchase must be completed within 48 hours of that agreement.

The difference amount is calculated per order, based on the actual net amount paid. For example, an order of 1000€ with a 25% discount coupon and 30€ in loyalty points (if you still have unexpired points), resulting in a net amount due of 670€, will use 670€ as the calculation base.

XI - Jewelry and Watchmaking Mediation

The mediator designated by the watchmaking and jewelry sector is the Centre de médiation de la consommation de conciliateurs de justice (CM2C), 49 Rue de Ponthieu, 75008 Paris, an approved consumer dispute resolution body.
Before contacting the mediator, please submit your complaint through our on-site messaging tool, Alix our AI agent, where one of our advisors will handle your request.
If you are not satisfied with how your complaint has been handled, you may contact the mediator by clicking here, by email at cm2c@cm2c.net, or by phone at 01 89 47 00 14.

XII - Invoices

Each delivered order is associated with a date and order number that generates an invoice. We automatically send a digital invoice to the email address linked to the account used to place the order.

Upon request, we will send you a duplicate of your invoice by mail.

XIII - Signatures and Proof

Any user of the site who does not have a customer number must complete a registration process to obtain one. This number is personal. Any loss or forgotten number must be reported to LP3B SAS, OCARAT.COM promptly by contacting the LP3B SAS, OCARAT.COM Customer Service team via our on-site messaging system, Alix our AI agent, where one of our advisors will handle your request.

In all cases, providing your credit card number online and completing the final order confirmation shall constitute proof of the entire order, in accordance with the French law of March 13, 2000, and shall render due all amounts committed through the entry of items on the order form. This confirmation constitutes a signature and express acceptance of all transactions carried out on the site. However, in the event of fraudulent use of their credit card, the customer is urged to contact LP3B SAS, OCARAT.COM customer service through the site as soon as the fraud is detected.

XIV - Liability

LP3B SAS, OCARAT.COM is bound by an obligation of results at every stage of the ordering process and for all steps following the conclusion of the contract. Accordingly, LP3B SAS, OCARAT.COM undertakes to describe with the utmost accuracy the products sold on the LP3B SAS, OCARAT.COM website. However, the liability of LP3B SAS, OCARAT.COM cannot be engaged where the failure to fulfill its obligations is attributable either to the unforeseeable and unavoidable act of a third party to the contract, or to a case of force majeure as defined by French case law. Likewise, LP3B SAS, OCARAT.COM shall not be held liable for any inconvenience or damage inherent in the use of the Internet, including service interruptions, external intrusions, or the presence of computer viruses.

XV - Personal Data

LP3B SAS, OCARAT.COM reserves the right to collect data about the Customer, including through the use of cookies. Data collection by LP3B SAS, OCARAT.COM, as data controller, is necessary to process Customer requests. Through LP3B SAS, OCARAT.COM, you agree to receive commercial offers from other companies or organizations by mail, or to be informed of offers from LP3B SARL, OCARAT.COM. In accordance with the French Data Protection Act of January 6, 1978, the Customer has the right to access, correct, and object to the processing of their personal data: directly online in your customer account / edit my personal details / LP3B SARL, OCARAT.COM newsletter: check "I am no longer interested in offers and no longer wish to receive them."

By providing their email address to LP3B SAS, OCARAT.COM, the Customer will receive an order confirmation as well as order tracking updates.

Based on the preferences selected when creating or viewing their account, the Customer may receive offers from LP3B SAS, OCARAT.COM as well as offers from other companies or commercial partners, by email, phone, or SMS as indicated at the time of account creation. If they no longer wish to receive such communications, they can opt out at any time directly online under "your account", or by mail at the address indicated above.
The Customer is informed that this automated processing of personal data, including the management of email addresses, has been declared to the CNIL under number 142 63 53 dated April 26, 2010. LP3B SAS, OCARAT.COM employs all available means to ensure the confidentiality and security of data transmitted online. To this end, the website uses SSL (Secure Socket Layer) encrypted payment processing. For quality monitoring and customer service training purposes, some calls may be recorded.

XVI - ONEY Bank 3X 4X Interest-Free AND 10X 12X With Fees

Pay for your order in 3 or 4 interest-free installments by credit card on purchases from 100€ to 4 000€ with Oney Bank

Our partner Oney Bank offers a financing solution called 3x 4x Oney, which lets you pay for purchases from 100€ to 4 000€ interest-free with your credit card.

Terms and Conditions: This offer is available to private individuals (adult natural persons) residing in France and holding a valid Visa or Mastercard credit card with an expiration date beyond the duration of the chosen financing plan. Cards requiring systematic authorization, such as Electron, Maestro, Nickel, etc., as well as e-cards, Indigo cards, and American Express cards, are not accepted.

How to apply: Once you have completed your order, simply click the "Pay in 3x 4x with Oney by credit card" button.

You are then redirected to our partner's 3x 4x Oney web page, which displays a detailed summary of your order and a personalized financing request that you must then confirm.

You enter your personal information or, if you already have a 3x 4x Oney account, you log in using your 3x 4x Oney credentials. You review the general terms and conditions for the installment payment plan you wish to subscribe to, provided in PDF format so you can read, print, and save them before accepting. You then confirm your electronic acceptance by checking the corresponding box. You acknowledge that the "double click" combined with the checkbox confirming your review of the general terms and conditions constitutes consent to contract and an irrevocable, unconditional acceptance of the product's general terms and conditions. Unless proven otherwise, data recorded by Oney Bank constitutes proof of all transactions between you and Oney Bank. If you apply for a financing solution offered by Oney Bank, information related to your order will be shared with Oney Bank, which will use it to assess your application for the granting, management, and collection of credit. Oney Bank reserves the right to accept or decline your 3x 4x Oney financing application. You have a 14-day withdrawal period to cancel your credit agreement.

How it works: Pay in 3 or 4 interest-free installments by credit card. Here's how your order total is divided:

- a mandatory down payment, charged on the day your order shipment is confirmed, equal to one-third or one-quarter of the order total;

- two or three monthly installments, each equal to one-third or one-quarter of the order amount, charged 30 and 60 days later for the 3-installment plan, and 30, 60, and 90 days later for the 4-installment plan.

• Pay in 3 installments on purchases from 100 € up to 4 000 €. Example: For a purchase of 150 €, a down payment of 50 € followed by 2 monthly installments of 50 €. Credit over 2 months at a fixed APR of 0%. Financing cost: 0 €.

• Pay in 4 installments on purchases from 100€ to 4 000€. Example: For a 400€ purchase, an initial payment of 100€ followed by 3 monthly installments of 100€. Credit over 3 months at a fixed APR of 0%. Total financing cost: 0€.

Oney Bank - SA with share capital of 51 286 585,00 € - Registered office: 34 avenue de Flandre 59170 CROIX - RCS Lille Métropole 546 380 197 - Orias no.: 07 023 261 - www.orias.fr - Correspondence: CS 60006 - 59 895 Lille Cedex 9 - www.oney.fr

Finance your order in 10 or 12 installments by credit card for purchases from 500,00 € up to 3 000,00 € with Oney.

Our partner Oney Bank offers a credit card financing option with no insurance required, available for purchases between 100,00 € and 3 000,00 €, payable in 10 or 12 installments at a fixed APR of 11.90% and a fixed borrowing rate of 11.29%.

Eligibility: This linked credit offer is available to individuals (adult natural persons) residing in France and holding a French Visa or Mastercard credit card with a validity date of more than 3 months from the date the financing is selected. Systematic authorization cards such as Electron, Maestro, Nickel, etc., as well as e-cards, Indigo cards, and American Express cards are not accepted.

How to apply: Once your order is complete, simply select the payment method "Installment Financing by Credit Card."

You will then be redirected to the Oney partner website, where you will see a detailed summary of your order and your personalized financing request, which you must then confirm and sign.

You enter your personal information and review the general terms and conditions of the credit you wish to take out, which are provided in PDF format for you to read before accepting them. You then confirm your acceptance by electronic signature.

Unless proven otherwise, data recorded by Oney constitutes proof of all transactions carried out between you and Oney.

If you request a financing solution offered by Oney, information relating to your order will be shared with Oney, who will use it to assess your application for credit approval, management, and debt collection. Oney reserves the right to accept or decline your application for 10 or 12-installment credit card financing.

You have a 14-day withdrawal period to cancel your credit agreement.

How it works: Paying in 10 or 12 installments by credit card allows you to pay for your order placed on our Site as follows:

• a mandatory down payment, debited on the day your order is confirmed, corresponding to a percentage of the order total,

• spreading the remaining order balance across the remaining monthly installments,

Example: For a 1000€ purchase split into 10 payments, you pay a 100€ deposit followed by 9 monthly installments of 104,77€. Financed amount: 900€. Financing cost: 42,93€. Total amount due: 942,93€. Fixed annual borrowing rate: 11,29%. Allocated credit over 9 months at a fixed APR of 11,90%. Special terms for limited-time promotional offers as indicated on the website: Example for a 1000€ purchase split into 10 payments, you pay a 100€ deposit followed by 9 monthly installments of 100€. Total amount due: 900€. Fixed annual borrowing rate: 0%. Allocated credit over 9 months at a fixed APR of 0%.

Oney Bank - SA with a share capital of 51 286 585€ - Registered office: 34 avenue de Flandre 59170 CROIX - RCS Lille Métropole 546 380 197 - Orias no.: 07 023 261 - www.orias.fr/welcome - Correspondence: CS 60006 - 59 895 Lille Cedex 9 - www.oney.fr

LP3B acts as a non-exclusive agent for banking transactions and payment services - ORIAS no.: 24000173 - www.orias.fr - Registered office: 91 rue de Rivoli 75001 Paris

XVII - FLOA

Pay in 3 or 4 interest-free installments by credit card on purchases from 100 to 4 000 € (subject to financing approval)

HOW DOES IT WORK?

1 - Add your products to the cart
2 - On the payment page, select credit card payment with FLOA and complete the form
4 - If financing is approved, you will be redirected to the FLOA servers
3 - Enter your payment details
5 - Complete your order

FLOA Payment Terms and Conditions