General Terms and Conditions of Sale

Preamble

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

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

Hereinafter referred to as "LP3B SAS, OCARAT.COM," "WE," and, on the other part, persons wishing to make a purchase via the LP3B SAS, OCARAT.COM website, hereinafter referred to as "the customer."

The available delivery zone depends on each product. LP3B SAS, OCARAT.COM brand products can be delivered anywhere in Europe, as well as to the French overseas departments and territories (DOM-TOM) and Monaco; however, some products may have restrictions as indicated on their individual product pages. These terms apply exclusively to non-commercial private individuals. The parties agree that their relationship will be governed exclusively by this agreement, to the exclusion of any terms previously available on the site. Should any condition 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 wishing to sell our products to contact us via our messaging service 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, from ordering through services, payment, and delivery. They govern all steps required to place an order and ensure order tracking between the contracting parties.

I - Orders

I.1 - Order Formation and Validity

The Customer may place an order online from the catalog available on the website or at 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, the cost of raw materials, or the pricing policies 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 the case of a clear pricing error.

In the event of a clear pricing error on a product page regarding the publicly recommended price, and in accordance with applicable case law, the Company may cancel the order and refund all amounts paid, without being required to make a commercial counter-offer.

Given the nature of certain products in our catalog (clearance items in limited new stock, limited-edition models, display models), prices may go up or down. Customers cannot claim a price variation or special offer displayed on the site before or after their order that is no longer live at the time of checkout. Customers may still contact customer service with any complaint, though the Company is not 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 necessary for order validation. Any refusal may result in the order being rejected. Such documents (ID, proof of address, etc.) will only be required when strictly necessary.

The Company agrees to fulfill orders only while stocks last - either its own inventory or that of its suppliers. If an item is unavailable, the Customer will be notified and may receive a full refund 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 products are available, in accordance with the date shown in the "Your Orders". tracking section.

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

An order that has already been converted into a store credit to create a new order cannot be converted into a second store credit for the creation of 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 personalization requests and engravings in particular, we remind you that Ocarat will not engrave:

• Any metallic material assay
• Any recognized brand name or brand logo.
• Any discriminatory content

Any dispute will be handled within the framework of a possible exchange or the warranties mentioned below with customer service.

However, for certain products meeting the conditions defined in Article I.2 below, specific methods for determining and adjusting the price may apply.

I.2 - Exceptional Fluctuation in Precious Metal Prices

Products whose manufacture or sourcing of precious metal (including gold, silver, platinum, or palladium) is initiated following the Customer's order confirmation, as well as products that are not shown as in stock at the time of the order and require precious metal sourcing resulting in a lead time exceeding ten (10) business days, are offered at a price calculated based on the metal market rate applicable on the day of the order.

The order form states the official metal market rate applied on the day of the order.

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

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

- the rate applicable on the day of the order,

and

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

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

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

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

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

- or according to an internal formula incorporating a representative percentage of the material value within the total price.

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

Should the decrease exceed the aforementioned threshold, the Company may offer a proportional downward adjustment, in particular in the form of a store credit or corresponding discount.

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

If the customer refuses or does not respond within this timeframe, 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 does not constitute a speculative mechanism and applies only to the material 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 binding us to our carrier partners, the seller reserves the right to send any order directly to a post office branch for security, insurance, delivery, or on-time delivery reasons. In such cases, a phone call will be made or an email sent to the customer account address used to place 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 their consequences in terms of delivery delays or errors. In this context, all costs incurred for reshipping the order will be entirely borne by the customer at the post office nearest to their home or the one specified by the customer if they prefer a particular post office.

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 transport and/or communications, pandemic crises, weather conditions making delivery difficult, war zones at the destination, or force majeure events).

If you receive a damaged, opened, incomplete, or incorrect package, or if an item is missing, please notify Ocarat as soon as possible - ideally within 48 business hours of delivery - and include any documentation that may help process your claim.
Reporting the issue promptly helps facilitate verification and, if necessary, the opening of an investigation with the carrier. This does not affect your statutory rights as a consumer, including those provided under the legal guarantee of conformity.

If the delivered products do not match the technical specifications listed on the site, the seller commits to sending a prepaid return label at its own expense to retrieve the package. Once the package is received, the seller commits to reshipping the items from the original order at its own expense.

The customer will be notified by email when their package is handed over to the carrier, along with a tracking link. If delivery is delayed by more than five days past the date indicated in the shipping confirmation email, we recommend the customer follow the tracking link to check whether the package has been damaged in transit, and if applicable, report the delay by calling us or using our messaging service on our site - Alix, our AI agent, or one of our advisors will handle your request.

If the customer fails to collect their package from the pickup point, the company cannot be held responsible for the return transit time to the sender and will only be able to process the follow-up to this return upon receipt of the unclaimed package.

For in-store pickup orders, the customer must wait for a confirmation email with the store address before making the trip. Any product in an order not picked up within six months will be put back on sale, and the order amount will be credited as store credit to the customer's account if our accounting procedures allow it. There may be no more than one store credit per order; any order generating a second store credit will be directly refunded. If the customer does not wish to keep the store credit, they may request a refund in writing via our messaging service on our website, Alix our AI agent, where one of our advisors will handle their request.

1) Our Shipping Partners

La Poste is our longstanding partner. We have chosen the "Colissimo" service to handle deliveries across the entire French territory, where some private carriers are unable to reach you - whether at home, at a local pickup point, or at a post office for maximum security.

You can also choose express shipping with Chronopost home delivery or pick-up point.

You can view the various delivery options here.

2) Delivery Timeframes

Please note that the pre-shipment processing times shown on the site (per product) are in addition to the delivery timeframes, which begin when the carrier takes charge of the package. Timeframes are counted in business days for France, Monday through Friday. Please account for national public holidays, which may vary from year to year. All timeframes are provided as estimates and should not be considered as firm deadlines.

The estimated shipping date is visible in the customer's account under the "order history" section, then under "Initially Announced Shipping Date."

Exceeding these timeframes does not entitle the customer to any financial compensation from the seller. Any goodwill gestures remain at the seller's sole discretion.

3) Shipping Rates

We invite you to visit the dedicated page here.

4) Transfer of Ownership

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

The customer becomes responsible for the products received once they have taken possession of the package 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 anti-fraud adhesive seal 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 return it to the sender.

As a formality, and if the customer is able to do so, we ask them to photograph any damage before returning the package to the sender, to support their reservations and strengthen our case with the carrier. However, please note that the notation "subject to inspection upon unpacking" in no way voids the transfer of ownership. It is therefore essential to refuse the package, clearly stating the reason for refusal on the delivery note IN LEGIBLE PEN. The customer must also sign the form. You may also take one or more photos of the damaged package and send them as evidence through our website's messaging system, where Alix, our AI agent, or one of our advisors will handle your request.

As a reminder and in accordance with postal regulations, carriers or pick-up point or post office staff are not authorized to be present when a package is opened, for reasons of confidentiality and the security of goods and persons. They are only authorized to note the condition of any reservations on the package.

For home deliveries, if the package was left in your mailbox, with a neighbor, or with a building manager and has not been opened and you notice an anomaly: bring it to a post office no later than the following business day. For a Chronopost home delivery, you may do the same at 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 Consumer Code, we are not held liable for the loss or deterioration of the package if the fault is attributable to the consumer, to force majeure, or to a third party.

When picking up your package at a collection point (post office, retailer, click & collect, etc.) or upon personal hand-delivery with signature, our carrier partners may verify your identity by requesting a government-issued ID, a security code sent by SMS to your mobile phone number, a QR code sent by email, or any other system they may implement to secure the delivery of your package.

The package may not 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 care facility, a P.O. box, a hotel, or a third-party carrier for international forwarding (Article L216-3 of the Consumer Code), etc., we will ask you to provide a written statement confirming that you are aware of this contractual framework and that you accept responsibility for the package being handed to a third party not identified by a first and last name previously entered in your delivery details. By doing so, you waive any right of recourse against the seller in the event of loss or damage to the package.

5) Carrier Delivery Issue

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

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

If your package encounters a delivery issue, please contact customer service within 48 business hours of your delivery (otherwise we reserve the right to disregard your claim) and explain the delivery problem (package shown as delivered, package stuck at a distribution center, damaged package, etc.). Customer service will advise you on the appropriate steps based on the issue encountered. In most cases, an investigation will be launched with La Poste, Chronopost, or Mondial Relay. The seller can only act after the investigation is closed, which takes an average of 21 business days. This timeframe will be doubled for international investigations outside the European Union.

To open an inquiry, click here. For packages marked as delivered by the tracking system but reported as not received by the customer, the carrier will request 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 valid ID. The carrier may also request that a police report be filed for theft by an unknown person. Without these documents, the investigation will be delayed and may not reach a conclusion.

If you received an empty package or an item is missing, and you did not file a reservation at the time of delivery, please note that ownership of the goods is considered transferred to you upon receipt. To help us resolve this situation, we ask that you send us a copy of a valid government-issued ID along with a signed sworn statement following the template below. The statement must include the legal notice regarding penalties for false declarations and bear your handwritten signature.

"

First name LAST NAME
Address
ZIP code - City
Phone number
Email address

Subject: sworn statement regarding a package marked as delivered but found empty

I, the undersigned [Ms./Mr. First Name LAST NAME], hereby declare on my honor that I have not received package no. [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 package was delivered without reservation or evidence of tampering.

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

Done for all legal purposes.

Done at [Location], on [date]

[Handwritten signature]

"

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

In the event that the investigation conducted with the carrier is closed in favor of the recipient.
The company commits to resending the product within the timeframes indicated on our site at that date; a refund of the order may only be offered in cases where the said product has been removed from our catalog and can therefore no longer be ordered from the supplier. The product will be resent at our expense to the post office nearest 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 messaging service on our website, 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 from Tuesday to Saturday.

The option to deliver via "Coursier.fr" will be available 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:

The Customer may ask any question or resolve any issue regarding their relationship with LP3B SAS, OCARAT.COM by using our messaging service on our website, Alix our AI agent, where one of our advisors will handle your request.

Paid services:

- Gift packaging:

Gift wrapping is offered before checkout and costs 5 euros.

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

(*Large leather goods items cannot currently be included in this offer. Examples: backpacks or tote bags. If in doubt, feel free to contact us via our messaging service 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.

- The quartz and automatic watch warranty extension at Ocarat:

The Ocarat warranty extension is a separate commercial warranty that takes effect upon expiration of the manufacturer's commercial warranty and extends the coverage period by twelve months, under the conditions defined below.

Ocarat offers an optional commercial warranty extension on the purchase of select watches.

This extension constitutes a commercial warranty within the meaning of Articles L.217-21 and following of the Consumer Code. It supplements the statutory warranties available to the consumer and does not replace, limit, or reduce them in any way.

1. Extension Price

The price of the warranty extension is set at:

5 € incl. tax for a quartz movement watch;
10 € incl. tax for an automatic movement watch.
The price of the extension is shown to the Customer before order confirmation and appears as a separate line item in the order summary.

2. Term and Start Date

The Ocarat warranty extension extends the manufacturer's commercial warranty applicable to the watch in question by twelve (12) months.

It takes effect immediately upon expiration of the manufacturer's commercial warranty, the duration of which is stated on the product page or in the warranty documents accompanying the watch.

For example, when a watch comes with a two (2) year manufacturer's warranty, the Ocarat extension takes effect at the end of those two years, bringing the total commercial coverage to three (3) years.

The duration of the extension purchased and the watch it covers are stated in the documents sent to the Customer on a durable medium.

3. Warranty Coverage

During the period covered by the Ocarat extension, Ocarat covers any functional defects in the watch that fall within the coverage normally applicable to technical or manufacturing defects.

Depending on the nature of the defect identified after inspection, Ocarat may carry out or arrange the repair of the product, or any other remedy provided for under the terms of this warranty.

Activation of the extension is subject to inspection of the watch in order to determine the cause of the malfunction and its eligibility for coverage under the warranty.

4. Exclusions

The warranty extension does not cover, in particular:

normal wear and tear on the watch resulting from use;
scratches, impacts, drops, or accidental damage;
damage resulting from abnormal use, use not in accordance with the manufacturer's recommendations, or lack of maintenance;
deterioration resulting from intervention, repair, or modification carried out by an unauthorized third party;
components subject to normal wear and tear, such as straps in particular;
deterioration or breakage of the glass not resulting from a defect covered by the warranty;
damage resulting from failure to comply with the waterproofing or usage conditions indicated by the manufacturer;
more generally, any deterioration whose cause is external to a technical or manufacturing defect covered by this warranty.

These exclusions have no impact on the rights the consumer holds under applicable statutory warranties.

5. Extension Implementation

To request activation of the extension, the Customer must contact Ocarat After-Sales Service, providing their order number and the reference of the watch concerned.

Ocarat will inform the Customer of the procedures for handling and returning the product required for its inspection.

The Customer must include, where provided, any documents necessary to identify the product and its warranty.

6. Withdrawal and Refund of the Extension

The warranty extension is an add-on to the purchase of the watch to which it relates.

If the Customer validly exercises their right of withdrawal regarding the watch, the warranty extension taken out at the same time is automatically canceled.

Its price is then fully refunded to the Customer along with any other amounts due under the return policy.

Ocarat also applies this principle during the commercial return period of thirty (30) days granted by Ocarat: when a watch is returned and refunded under this return policy, the extension attached to that watch is cancelled and fully refunded.

No amount will be charged for the warranty extension if the sale of the watch in question is validly canceled.

In the event of a partial return of an order containing multiple products, only the extension attached to the watch actually returned is cancelled and refunded.

7. Guarantor

This extension is granted by:

LP3B SAS - OCARAT.COM
91 rue de Rivoli
75001 Paris
RCS Paris 520 388 851

Customers can contact Ocarat through the form or messaging service available on Ocarat.com, as well as through the contact details provided on the site.

8. Legal Warranties

This commercial warranty extension applies without prejudice to the consumer's right to benefit from the statutory warranty of conformity under Articles L.217-3 et seq. of the French Consumer Code, as well as the warranty against hidden defects under Articles 1641 to 1649 of the French Civil Code.

These statutory warranties remain applicable regardless of whether or not the Ocarat commercial warranty extension has been taken out.

- The Ocarat e-gift card:

This is a payment method, not a discount voucher, and is available in different amounts as shown on the product page here.

Your gift card code must be added when placing your order in your cart under the heading: "e-gift card - discount voucher"

The Ocarat e-gift card is valid on all products and services available 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 full amount is not spent.

- "Personalized Ring Warranty"

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

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

This option gives you the exceptional benefit of a 30-day return window or a free ring resizing within 1 year for your personalized ring (services cannot be combined).

This option saves you the de-personalization fees that would normally apply to the return of any engraved product. (These fees start at a minimum of around 25 € and may increase depending on the engraved material.)

Terms:

This warranty is only valid if and only if the returned product is intact and fit for resale.

If the size change results in a price difference, payment or reimbursement of the difference will be required. If needed, feel free to request a ring sizer or contact 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 product description specifies that in the event of customization the product will be neither returned nor exchanged.

- "Personalized Products Guarantee"

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

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

This option gives you an exceptional 30-day return policy and waives the de-engraving fees that would normally apply to the return of a personalized product.

Terms:

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

This warranty does not apply to products where the notice "no returns or exchanges" is mentioned in the product description (for example, 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 slimmed down 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 handles all ring size adjustments.

Terms:

In the case of a complete product replacement, this warranty is only valid if and only if the returned product is intact and fit for resale.

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

If needed, feel free to request a ring sizer or ask 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 Payment

Paragraph 1 - Payment Methods

Customers can choose to pay for their purchases online or in-store with:

- ONEY Bank our long-standing payment facilitation partner offering interest-free or interest-bearing installments 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 installment payment plans or credit requested by the customer, if our financial partner requires a more thorough review of the financing application.

- PAYPAL via the use of a personal PayPal account belonging to the customer and verified by PayPal. Immediate acceptance.

- MONETICO (CIC) Credit Card

Terms: we collect the full order amount within 24 to 48 hours of the order being placed.

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 €), 3 installments (from 750 €), or 4 installments (from 1 500 €) with a maximum of 10 000 €. 3D Secure banking verification protocol

Terms: Minimum order of 100 € incl. tax. The first installment is debited on the order date, followed by subsequent installments at M+1, M+2, etc. (order date example: 11/01; 11/02; 11/03). The order is divided 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 department may ask you to provide guarantee checks to cover any payment default on outstanding installments. If we do not receive these checks, we will be unable to fulfill your order and any amounts already received by Ocarat will be refunded to you. These procedures, which are a necessary counterpart to the installment payment facility, may extend the shipping timeframe depending on your response time.
Please note: this installment payment method remains a payment facility and entails responsibilities, particularly in the event of card opposition (loss, theft, etc.) or insufficient funds. In the event of a missed payment on an installment, Ocarat may suspend the processing of new orders or shipments in progress until the situation is resolved. This suspension does not affect the exercise of the consumer's legal rights (right of withdrawal, statutory warranties, due refunds) or the handling of after-sales service requests already in progress. In the event of non-payment, all legal means will be used to recover unpaid installments, which may result in additional costs. Accordingly, in the event of a payment default that remains unresolved 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, under the conditions provided by law and subject to proportionality.

- MONETICO (CIC) Bank Transfer

Terms: one-time payment by bank transfer with no maximum limit, following the procedure indicated on the site. Purchases will appear on your bank statement. Processing takes slightly longer - 48 hours - but there will be no documentation required, making this the most secure payment method for both the merchant and the customer.

Section 2 - General Rules Governing Order Fulfillment After Payment

a) Identity Verification and Payment Security

As part of fraud prevention and payment security, Ocarat may, on the recommendation of its bank, carry out verification checks to confirm the customer's identity and the ownership of the payment method used.

In accordance with:

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

- an official government-issued photo ID,
- a photograph of the front of the credit card used for the order (without capturing the CVV security code).

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

In the absence of the requested documents, Ocarat reserves the right to refuse the order, cancel it, or suspend the execution of the payment facility.

b) Payment Default

In general, in the event of a payment failure, incorrect contact details, or any other issue detected on the Customer's account that may indicate identity theft, 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, following the mirror refund procedure described in Section VII of these terms and conditions of sale.

Regarding orders where a prior unpaid balance exists, 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 previous order. In the event of an outstanding debt, the Company may make acceptance of any new order conditional upon prior payment of all amounts owed under previous invoices. No automatic set-off may be applied by the Customer between a new order and a prior debt, unless the Company has given its express prior consent. If the Customer makes a payment on a new order while an unpaid balance remains, the Company may only apply the amounts received toward extinguishing the prior debt with the Customer's express agreement, in accordance with Article 1342-10 of the Civil Code. The Company also reserves the right to cancel the order if the situation is not resolved 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 balances and restrict the number of orders accordingly, including reducing outstanding balances to a single order; all other orders will be refunded and cancelled, 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 one-time payments by bank transfer 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 installment). If no agreement is reached or the verification cannot be completed, the order may be canceled and fully refunded in accordance with the mirror refund procedure set out in Section VII.

e) Store Credit

Store credits offered on a commercial basis 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 gift vouchers and expiration dates at any time in their personal account, under "Your Discount Vouchers" (click here).

V - Pricing

Prices displayed on the site reflect the selected delivery zone:
EU (excluding overseas territories, BELGIUM): French VAT applicable on the date of the order.
BELGIUM: Belgian VAT applicable on the date of the order.
Outside EU / Overseas Territories: Tax-free.

These prices do not include handling fees (shipping, packaging, and order preparation, 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 modified once a customer's order has been placed.

Similarly, if any new taxes or levies - including environmental ones - are introduced or modified, whether upward or downward, such changes may be passed on to the sale prices of items on the LP3B SAS, OCARAT.COM website and in sales documents.

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

In the event of a stock shortage or unavailability of one or more products after order confirmation, Ocarat will endeavor to inform the Customer as soon as possible and, where possible, offer a suitable alternative solution.

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

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

If the item cannot be restocked or the Customer does not agree to an alternative solution, the order will be canceled for the unavailable item(s) and refunded accordingly, in compliance with these general terms and conditions of sale.

Some products may have size options (rings, wedding bands, 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 (as stated on the product page) and may vary with a size change. 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 for 100 € in size 50 and for 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 record book 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 there may be a positive or negative weight difference between the theoretical weight listed on the product page and the measured weight of the item. This difference is inherent to the manufacturing process and will not give rise to any refund or additional charge for the excess or shortfall in material.

VI - Ocarat Benefits

Section 1 "Free Pick-Up Point Delivery in Metropolitan France and Belgium"

Free delivery in metropolitan France and Belgium applies to all orders eligible for Colissimo shipping.

Paragraph 2 "Special Offers"

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

If you exercise your right of withdrawal, the item offered as a special deal must also be returned to us in perfect condition in order for you to receive a full refund. (Except for consumable items that cannot be returned.)

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 stocks last.

Paragraph 3 "-10% with the code WELCOME"

Get 10% off a selection of eligible products - the promo 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.

Paragraph 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 an order of 100 euros, you will earn 100 loyalty points, equivalent to a discount voucher worth 5 euros.

Ocarat loyalty points are a benefit granted to our loyal customers and may be removed or suspended following a payment default or abusive use 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 of that delivery date, with no extension possible.

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

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 across the entire catalog and can be combined with current offers.

In the event of a refund request for a purchase by a Member, the points accumulated from the purchase concerned by the refund will be debited from the Member's loyalty account (i.e., 1 € refunded = 1 point debited, 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 makes a return "in due form" 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, particularly in connection with the activation and validation of the "Price Difference Refunded

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 period to redeem their remaining points. Once that period has passed, no compensation or benefit of any kind will be due as a result of the change.

VII - Right of Withdrawal / Return Policy / Refunds

Section 1 - Right of Withdrawal

Under the provisions of Article L. 221-18 of the French Consumer Code, you have 14 days from receipt of the products to exercise your right of withdrawal, with no justification or penalties required.

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

The customer's withdrawal request must be submitted within 30 days of the date of receipt or collection of the package. Any return not made within 30 days of receiving the order, unless agreed to in writing by our customer service team, will be refused - except during the year-end period, during which we may extend this deadline, as explicitly stated on our site.

For 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.

Section 2 - Return Policy Conditions

To be accepted as a return by our after-sales service, 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, strap, links, etc.), user 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 sent back to the sender, except in cases where restoration is possible subject to a paid quote at the customer's expense, which they are free to accept or decline and which will determine the final outcome of the return.

Article L221-23 specifies that the consumer may be held liable for any depreciation in 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 resulting from handling beyond what is necessary to test the product.

Return shipping costs are the customer's responsibility. The customer freely chooses the shipping method to return their item(s) to Ocarat / LP3B. Depending on the chosen method, the customer is responsible for packaging and securing the products to ensure they can travel without risk of damage.
In the event of a clear error on the part of Ocarat / LP3B, a free return label will be provided to the customer where the delivery zone allows; otherwise, a flat-rate contribution toward return shipping costs may be offered, provided the costs are reasonable and in line with standard local carrier rates.

We ask our customers to prepare their return by logging into their customer account, going to the "your orders" section and then to "details", in order to initiate their merchandise return - this helps speed up processing time and ensures the best return assistance at our facility.

To comply with French regulations, precious items must be shipped by registered mail with acknowledgment of receipt. We recommend that, within your means, you consider insuring your product by subscribing to the insurance offered by the postal service that corresponds to the value of your product. For clarification, we advise against choosing a return with a declared value, as our teams are not insured to collect your packages from the post office. In the event of a product return made by a customer using their own means, should the package be lost by the carrier, an empty package be received, or the wrong product be found in the returned package, we cannot be held responsible, as the transfer of ownership is invalidated by the absence of the package, the absence of the product in the package, or the incorrect product returned in the package.

For all watch warranty claims and coverage, we ask that you include the warranty certificate when provided by the brand. In its absence, fees may be charged 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), applicable regardless of the value or weight indicated on your package.

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

If this option interests you, follow our return process by going to your customer account under "Your Orders", select the order for which you wish to make a return, check the item(s) to return, indicate the reason if possible, your preference, and any additional information, then click "Generate Your Return". A window will open where you can download your return form - which must be included in your package, or its contents copied onto a blank sheet if you don't have a printer. You can then click the "Pay for your Colissimo label" button, which will send you by email, once payment is complete, your prepaid Ocarat return label, ready to print and stick on your package. You can then drop off your package at a post office, making sure to keep the stamped proof of deposit from the detachable part of the label, or arrange a pickup from your mailbox directly with your mail carrier using the following link with the tracking number you will have received by email: Request a package pickup from my mailbox

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

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

Section 3 - Product Refunds

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

Customers wishing to exercise their right of withdrawal to request a store credit or a refund must submit a written request by registered mail to the company's registered office, or through our website's messaging system, where Alix, our AI agent, or one of our advisors will handle your request. This request must be approved by the company, which will confirm its acceptance in writing. The refund must then be processed within 14 days from confirmation by our customer service team.

In the event of a product return, once the item is received and within a timeframe that allows for a thorough inspection, the customer's account will be credited with the original amount of the returned item(s). The refund will be processed within 14 days from the moment our after-sales service confirms acceptance of the return to the customer - you will be notified by email. The available balance may be refunded or used as store credit, in full or as a partial payment.

All items may be exchanged, credited, or refunded, except those bearing a contrary notice in the product description. In general, "goods made to the consumer's specifications or clearly personalized" are not eligible for this right under Article L. 221-28 (for example, a name necklace, an engraving on a watch, or a brushed-finish jewelry piece). However, contrary to Article L. 221-28, we may refund personalized items that do not carry a contrary notice in their description (for example, an engraved wedding ring), deducting the depersonalization costs as quoted. Non-personalized items returned must be in perfect condition to be restocked; if they are damaged, we may refuse to accept the return or charge a refurbishment fee where possible.

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

Ring Sizing => A ring sizing request implies that the customer fully accepts the product. By making this request, the customer confirms their definitive acceptance of the sale.

Engraving (name, date, other…) => if a repair is possible, a quote will be provided.

Lost or damaged stone => if a repair is possible, a quote will be provided.

Other customizations => if a return is possible, it will be subject to a quote.

Impact or scratch => if a return is possible, it will be subject to a quote - minimum 30 € VAT included

Custom-made products => if a return is possible, it will be subject to a quote.

Refunds on Earrings or Similar Piercing Products

As a preliminary note, Ocarat's in-store teams do not perform piercing installations, and we remind customers 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; as this involves "first insertion," the product must be handled by a professional or a person knowledgeable about the necessary precautions. Products are therefore sold under strict hygiene conditions to prevent the risk of infection. This includes compliance with universal hygiene standards.

Regarding the right of withdrawal, Article L221-28 of the 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 items, so you may return unworn products in perfect condition within 30 days of delivery. However, depending on the product's original destination, cleaning or refurbishment fees to prepare the item for resale may be deducted from your refund - our after-sales service will notify you if this applies.

Mirror-process refund:

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 that case, the customer's bank details (RIB) will be requested.

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

VIII - Warranties

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

The Customer benefits from the statutory guarantee of conformity set out in Articles L217-3 through L217-32 of the French Consumer Code. Any 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 commercial warranty that may exist. The commercial warranty supplements the statutory warranties without restricting or replacing them.

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

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

VIII.D - Remedy Timeframe (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 with no significant inconvenience to the consumer.
Under Article L217-10, paragraph 2 of the French Consumer Code, a period exceeding 30 days may be offered to the consumer when particular circumstances justify it (e.g., sending the product to the manufacturer abroad, diagnostic time, or technical estimate).
Any such extended timeframe must be expressly agreed to by the consumer, specifying the estimated duration of the repair.

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

When the product includes a digital element, the seller ensures the provision of updates necessary to maintain conformity for a minimum period of two years from delivery.

VIII.F - Ocarat Commercial Warranty (Jewelry & Watches) (Art. L217-15 and L217-16 French Consumer Code)

Jewelry creations designed and assembled by LP3B / OCARAT.COM come with 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:
• setting quality (integrity of prongs or bezel, absence of play or abnormal movement);
• strength of soldering and mechanical assemblies;
• for diamonds, a quality certificate is provided and available upon delivery.
This may be:
- an internal LP3B certificate stating 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.
• for colored gemstones, the jewelry listing 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 norms or regulations in Europe, we strive to provide the most reliable description possible.
Only stones whose provenance is certified upon request may be accompanied by an external gemological certificate (e.g., LFG, GIA, Gübelin, SSEF…).
The following are excluded from the commercial warranty:
- normal wear (scratches, micro-impacts, loss of luster from regular use),
- damage caused by misuse, impact, dropping, or unauthorized repair,
- consumable components such as leather straps, mineral crystals, batteries, or any everyday accessory.

IX - Certificates

Kimberley Process (Kimberley Process)

LP3B guarantees the origin of its diamonds under the Kimberley Process. We select our suppliers to ensure that all diamonds we sell are subject to this certification. In practice, the Kimberley Process was established in May 2000 by the United Nations with the aim of curbing the trade and circulation of conflict diamonds (rough, uncut diamonds). The agreement was finalized and entered into force in 2003, helping to limit the funding of conflicts through diamond sales, particularly in certain African countries.

Find the details of the Kimberley Process by clicking on the following link

https://www.kimberleyprocess.com

IGI, HRD, GIA, or LP3B Certificates:

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

X - Price Match Refund

Terms of Application

The product "price" is the price listed by the retailer on the product page and excludes discounts related to clearance sales (sales, private sales, liquidation). Some websites display all their prices as "crossed out" to show a difference from the manufacturer's suggested retail price; we use the product price to compare our rates. Prices are compared inclusive of mandatory paid services such as shipping, insurance, and taxes.

To be eligible for a refund, the price difference must meet all of the following conditions:
- The product must be identical in every respect.
- The service conditions must be identical: product warranty, quality, label origin, etc. In particular, the site must be a direct retailer; price comparison sites are therefore excluded; marketplaces must have first obtained approval of a preliminary refund request, 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 under French law, in euros including tax. Prices compared to overseas territories will be adjusted to include sea duties, customs duties, and will be quoted excluding VAT.

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

Exclusions

The offer does not apply to:

- Products that are on sale or discounted from the usual retail price, or that originate from a clearance 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: warranty extension, cleaning service.

Haven't purchased yet? Submit your request using our messaging service on our site, Alix our AI assistant, where one of our advisors will handle your request to confirm 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 our website's messaging system, where Alix, our AI agent, or one of our advisors will handle your request. Our customer service team can also walk you through the process by phone, but all requests must be finalized through the website.

If a price-difference refund agreement is reached, the purchase must be completed within 48 hours of that agreement.

The price difference is calculated per order, based on the actual net amount paid. For example, an order of 1 000 €, with a 25% discount voucher and 30 € in loyalty points (if you still have unexpired loyalty points), giving a net amount due of 670 €, will use 670 € as the basis for the calculation.

XI - Jewelry and Watchmaking Mediation

The mediator designated by the watchmaking and jewelry trade association 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 send us your complaint using our messaging service on our site, Alix our AI assistant, 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 linked to a date and order number, which generates an invoice. We automatically send a digital invoice to the email address associated with the account used to place the order.

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

XIII - Signature and Proof

Any site user 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 messaging service on our website, Alix our AI agent, where one of our advisors will handle your request.

In all cases, providing the credit card number online and giving final confirmation of the order will constitute proof of the order in its entirety in accordance with the provisions of the law of March 13, 2000, and will make the amounts committed by entering the items on the order form immediately due. 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 invited, upon discovering such use, to contact the LP3B SAS, OCARAT.COM customer service team directly on the site.

XIV - Liability

LP3B SAS, OCARAT.COM is bound by an obligation of results at every stage of the ordering process and after the contract is concluded. Accordingly, LP3B SAS, OCARAT.COM commits to describing with the utmost accuracy all products sold on its website. However, LP3B SAS, OCARAT.COM cannot be held liable where the failure to fulfill its obligations is attributable either to the unforeseeable and insurmountable act of a third party to the contract, or to a force majeure event as defined by French case law. Likewise, LP3B SAS, OCARAT.COM cannot 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 data concerning them: directly online in my customer account / I update my personal details / newsletter LP3B SARL, OCARAT.COM: check the box "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 during account creation. If they do not wish to receive these, they can opt out at any time directly online under "your account", or by mail to the address indicated above.
The Customer is informed that this automated processing of information, including the management of email addresses, has been declared to the CNIL under number 142 63 53 on April 26, 2010. LP3B SAS, OCARAT.COM implements all means to ensure the confidentiality and security of data transmitted on the web. To this end, the website uses a secure SSL (Secure Socket Layer) payment method. For quality monitoring and customer service training purposes, certain calls may be recorded.

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

Pay for your order in 3 or 4 interest-free installments by credit card for 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 € in interest-free installments with your credit card.

Terms: This offer is available to private individuals (adult natural persons) residing in France and holding a Visa or Mastercard credit card with an expiry 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 subscribe: Once you have completed your order, simply click the "Pay in 3x 4x with Oney by credit card" button.

You will then be redirected to our partner's 3x 4x Oney webpage, where you'll see a detailed summary of your order and a personalized financing request for you to confirm.

You enter your personal details or, if you have a 3x 4x Oney account, you log in using your 3x 4x Oney credentials. You review the general terms of 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 checking the box confirming you have read the general terms constitutes consent to contract and represents an irrevocable and unconditional acceptance of the product's general terms. Unless proven otherwise, data recorded by Oney Bank constitutes proof of all transactions made between you and Oney Bank. If you request a financing solution offered by Oney Bank, the information related to your order will be shared with Oney Bank, who 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 request. You have a 14-day return policy period to withdraw from your credit agreement.

How it works: Paying in 3 or 4 interest-free installments by credit card lets you spread the cost of your order as follows:

- 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 corresponding to one third or one quarter of the order total, 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 for purchases from 100 € to 4 000 €. Example: For a purchase of 150 €, an initial 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 € up to 4,000 €. Example: For a purchase of 400 €, a down payment of 100 € followed by 3 monthly installments of 100 €. 3-month financing at a fixed APR of 0%. Total financing cost: 0 €.

Oney Bank - SA with 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 - Correspondence: CS 60006 - 59 895 Lille Cedex 9 - www.oney.fr

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

Our partner Oney Bank offers a credit card financing option with no insurance, valid for purchases from 100 € to 3 000 €, payable in 10 or 12 installments at a fixed APR of 11,90% and a fixed borrowing rate of 11,29%.

Conditions: This linked credit offer is available exclusively 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 chosen financing date. 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 subscribe: Once your order is complete, simply select the payment method "Installment Financing by Credit Card."

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

You enter your personal details and review the general terms of the credit plan you wish to subscribe to, which are provided in PDF format so you can read them before accepting. You then confirm your acceptance by electronic signature.

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

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

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 settle your order placed on our Site as follows:

• a mandatory down payment, charged 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 purchase of 1 000 € in 10 installments, you pay a down payment of 100 € followed by 9 monthly payments of 104,77 €. Financed amount: 900 €. Financing cost: 42,93 €. Total amount due: 942,93 €. Fixed annual borrowing rate: 11,29%. Tied credit over 9 months at a fixed APR of 11,90%. Special conditions for limited-time promotional offers as indicated on the site: Example for a purchase of 1 000 € in 10 installments, you pay a down payment of 100 € followed by 9 monthly payments of 100 €. Total amount due: 900 €. Fixed annual borrowing rate: 0%. Tied credit over 9 months at a fixed APR of 0%.

Oney Bank - SA with 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 for your purchases in 3 or 4 interest-free installments by credit card for 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 payment by credit card with FLOA and complete the form
4 - If the financing is approved, you will be redirected to the FLOA servers
3 - Enter your payment details
5 - Complete your order

FLOA Payment General Terms and Conditions