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General Terms and Conditions of Thuiswinkel


These General Terms and Conditions of the Dutch Thuiswinkel Organization (hereinafter: Thuiswinkel.org) have been drawn up in consultation with the Consumers' Association within the framework of the Coordination Group Self-Regulatory Consultation (CZ) of the Social Economic Council and enter into force on 1 June 2014.

Contents:

Article 1 - Definitions

Article 2 - Identity of the entrepreneur

Article 3 - Applicability

Article 4 - The offer

Article 5 - The agreement

Article 6 - Right of withdrawal

Article 7 - Obligations of the consumer during the cooling-off period

Article 8 - Exercise of the right of withdrawal by the consumer and costs thereof

Article 9 - Obligations of the entrepreneur in the event of withdrawal

Article 10 - Exclusion of the right of withdrawal

Article 11 - The price

Article 12 - Compliance and additional guarantee

Article 13 - Delivery and execution < br>
Article 14 - Duration transactions: duration, cancellation and extension

Article 15 - Payment

Article 16 - Complaints procedure

Article 17 - Disputes

Article 18 - Industry guarantee

Article 19 - Additional or different provisions

Article 20 - Modification of the General Terms and Conditions of Thuiswinkel

Article 1 - Definitions


In these conditions the following definitions apply:

1. Additional agreement: an agreement whereby the consumer acquires products, digital content and / or services in connection with a distance agreement and these goods, digital content and / or services are provided by the entrepreneur or by a third party based on an agreement between that third party and the entrepreneur;
2. Cooling-off period: the period within which the consumer can make use of his right of withdrawal;
3. Consumer: the natural person who does not act for purposes related to his trade, business, craft or professional activity;
4. Day: calendar day;
5. Digital content: data that is produced and supplied in digital form;
6. Duration agreement: an agreement that extends to the regular delivery of goods, services and / or digital content during a certain period;
7. Sustainable data carrier: any tool - including e-mail - that enables the consumer or entrepreneur to store information that is addressed to him personally in a way that future consultation or use during a period that is geared to the purpose for which the information is intended and which allows unaltered reproduction of the stored information;
8. Right of withdrawal: the possibility for the consumer to cancel the distance agreement within the cooling-off period;
9. Entrepreneur: the natural or legal person who is a member of Thuiswinkel.org and who offers products, (access to) digital content and / or remote services to consumers;
10. Distance contract: an agreement concluded between the entrepreneur and the consumer within the framework of an organized system for distance selling of products, digital content and / or services, up to and including concluding the agreement exclusive or co-use is made of one or more remote communication techniques;
11. Model form for cancellation: the European model form for cancellation included in Appendix I of these terms and conditions; Annex I does not have to be made available if the consumer has no right of withdrawal with regard to his order;
12. Technology for distance communication: means that can be used to conclude an agreement, without the consumer and trader having to come together in the same room at the same time.

Article 2 - Identity of the entrepreneur

Name entrepreneur: Sitcon BV

Acting under the name / names:

- Sitcon.nl
- Dashboardcameracenter.nl
- Spycamerashop.nl


Business address:

Twentehaven 11
3433 PT Nieuwegein
the Netherlands


Phone number : +31 (0) 30 6303631



Accessibility:

From Monday to Friday from 9 am to 5.30 pm
From Saturday to Saturday from 10 am to 4 pm


E-mail address: support@sitcon.nl



Chamber of Commerce number: 30239424

VAT number: NL819292059B01


Article 3 - Applicability

1. These general terms and conditions apply to every offer from the entrepreneur and to every distance contract concluded between the entrepreneur and the consumer.
2. Before the distance agreement is concluded, the text of these general terms and conditions is made available to the consumer. If this is not reasonably possible, the entrepreneur will indicate before the distance contract is concluded, how the general terms and conditions can be viewed at the entrepreneur and that they will be sent free of charge as soon as possible at the request of the consumer.
3. If the distance contract is concluded electronically, contrary to the previous paragraph and before the distance contract is concluded, the text of these general terms and conditions may be made available to the consumer electronically in such a way that it is consumer can be stored in a simple way on a durable data carrier. If this is not reasonably possible, it will be indicated before the distance contract is concluded where the general terms and conditions can be read electronically and that they will be sent free of charge electronically or otherwise at the request of the consumer.
4. In the event that specific product or service conditions apply in addition to these general terms and conditions, paragraphs 2 and 3 apply mutatis mutandis and in the event of conflicting conditions the consumer can always invoke the applicable provision that applies to him. is most favorable.

Article 4 - The offer

1. If an offer has a limited duration or is subject to conditions, this will be explicitly stated in the offer. offer contains a complete and accurate description of the products, digital content and / or services offered. The description is sufficiently detailed to enable a proper assessment of the offer by the consumer. If the entrepreneur uses images, these are a true representation of the products, services and / or digital content offered. Obvious mistakes or errors in the offer are not binding on the entrepreneur.
3. Each offer contains such information that it is clear to the consumer what rights and obligations are attached to accepting the offer.

Article 5 - The agreement

1. Subject to the provisions of paragraph 4, the agreement is concluded at the time the consumer accepts the offer and meets the corresponding conditions. 2. If the consumer has accepted the offer electronically, the entrepreneur will immediately confirm receipt of the acceptance of the offer electronically. As long as the entrepreneur has not confirmed receipt of this acceptance, the consumer can terminate the agreement.
3. If the agreement is concluded electronically, the entrepreneur will take appropriate technical and organizational measures to secure the electronic transfer of data and he ensures a safe web environment. If the consumer can pay electronically, the entrepreneur will take appropriate security measures.
4. The entrepreneur can inform himself within legal frameworks - whether the consumer can meet his payment obligations, as well as all those facts and factors that are important for the responsible conclusion of the distance contract. If on the basis of this investigation the entrepreneur has good grounds not to enter into the agreement, he is entitled to refuse an order or request or to attach special conditions to the implementation. send the product, service or digital content to the consumer the following information, in writing or in such a way that it can be stored by the consumer in an accessible manner on a durable medium,: a. the visiting address of the location of the entrepreneur where the consumer can go with complaints;
b. the conditions under which and the way in which the consumer can exercise the right of withdrawal, or a clear statement regarding the exclusion of the right of withdrawal;
c. the information about guarantees and existing service after purchase;
d. the price including all taxes of the product, service or digital content; where applicable, the costs of delivery; and the method of payment, delivery or implementation of the distance agreement;
e. the requirements for canceling the agreement if the agreement has a duration of more than one year or is of indefinite duration;
f. if the consumer has a right of withdrawal, the model form for withdrawal.

6. In the case of an extended transaction, the provision in the previous paragraph applies only to the first delivery.

Article 6 & ndash; Right of withdrawal


For products:

1. The consumer can terminate an agreement with regard to the purchase of a product during a cooling-off period of 14 days without giving reasons. The entrepreneur may ask the consumer about the reason for withdrawal, but does not oblige this to state his reason (s).
2. The reflection period referred to in paragraph 1 starts on the day after the consumer, or a prior notice by the consumer-designated third party, who is not the carrier, has received the product, or:

a. if the consumer has ordered several products in the same order: the day on which the consumer, or a third party designated by him, received the last product. The entrepreneur may, provided that he has clearly informed the consumer prior to the ordering process, refuse an order for several products with different delivery times.
b. if the delivery of a product consists of different shipments or parts: the day on which the consumer, or a third party designated by him, has received the last shipment or the last part;
c. in the case of contracts for the regular delivery of products during a certain period: the day on which the consumer, or a third party designated by him, has received the first product.


For services and digital content that are not based on material carrier has been delivered:

3. The consumer can dissolve a service agreement and an agreement for the delivery of digital content that has not been delivered on a material carrier for 14 days without giving reasons. The entrepreneur may ask the consumer about the reason for the withdrawal, but not oblige this to state his reason (s).
4. The reflection period referred to in paragraph 3 starts on the day following the conclusion of the agreement.


Extended cooling-off period for products, services and digital content that is not supplied on a tangible medium in the event of failure to inform about the right of withdrawal:

5. If the entrepreneur provides the consumer with the legally required information about has not provided the right of withdrawal or the model form for withdrawal, the reflection period expires twelve months after the end of the original reflection period determined in accordance with the previous paragraphs of this article.
6. If the entrepreneur provides the information referred to in the preceding paragraph the consumer has provided within twelve months after the starting date of the original cooling-off period, the cooling-off period expires 14 days after the day on which the consumer received that information.

Ar Article 7 - Obligations of the consumer during the cooling-off period

1. During the cooling-off period, the consumer will handle the product and the packaging with care. He will only unpack or use the product to the extent that is necessary to determine the nature, characteristics and operation of the product. The starting point here is that the consumer may only handle and inspect the product as he would be allowed to do in a store.
2. The consumer is only liable for a decrease in value of the product that is the result of a way of handling the product. product that goes beyond what is permitted in paragraph 1.
3. The consumer is not liable for value reduction of the product if the entrepreneur has not provided him with all legally required information about the right of withdrawal before or at the conclusion of the agreement. >
Article 8 - Exercise of the right of withdrawal by the consumer and costs thereof

1. If the consumer exercises his right of withdrawal, he will report this within the cooling-off period by means of the model form for withdrawal or on other forms of withdrawal. unambiguous manner to the entrepreneur.
2. As soon as possible, but within 14 days from the day following the notification referred to in paragraph 1, the consumer returns the product or hands it to (an agent of) the entrepreneur. This is not necessary if the entrepreneur has offered to collect the product himself. The consumer has in any case observed the return period if he returns the product before the cooling-off period has expired.
3. The consumer returns the product with all accessories supplied, if reasonably possible in its original condition and packaging, and in accordance with the reasonable and clear instructions provided by the entrepreneur.
4. The risk and burden of proof for the correct and timely exercise of the right of withdrawal lies with the consumer.
5. The consumer bears the direct costs of returning the product. If the entrepreneur has not reported that the consumer must bear these costs or if the entrepreneur indicates to bear the costs himself, the consumer does not have to bear the costs for return.
6. If the consumer revokes after having first explicitly requested that the provision of the service or the supply of gas, water or electricity that are not made ready for sale starts in a limited volume or certain amount during the cooling-off period, the consumer owes the entrepreneur an amount that is proportional to that part of the commitment fulfilled by the entrepreneur at the time of cancellation, compared to full compliance with the commitment.
7. The consumer does not bear any costs for the performance of services or the supply of water, gas or electricity, which are not made ready for sale in a limited volume or quantity, or for the supply of district heating if:

a. the trader has not provided the consumer with the legally required information about the right of withdrawal, the reimbursement of costs or the model form for withdrawal, or;
b. the consumer did not explicitly request the start of the performance of the service or supply of gas, water, electricity or district heating during the reflection period.

8. The consumer does not bear any costs for the full or partial delivery of non digital content delivered on a tangible medium, if:

a. prior to its delivery, he has not explicitly agreed to commence compliance with the agreement before the end of the reflection period;
b. he has not acknowledged that he has lost his right of withdrawal when granting his permission; or
c. the entrepreneur has failed to confirm this statement from the consumer.

9. If the consumer makes use of his right of withdrawal, all additional agreements will be dissolved by operation of law.

Article 9 - Obligations of the entrepreneur upon cancellation

1. If the trader makes it possible for the consumer to cancel electronically, he will immediately send a confirmation of receipt upon receipt of this notification.
2. The trader will reimburse all payments made by the consumer , including any delivery costs charged by the entrepreneur for the returned product, immediately but within 14 days following the day on which the consumer notifies him of the cancellation. Unless the entrepreneur offers to collect the product himself, he may wait to pay back until he has received the product or until the consumer demonstrates that he has sent back the product, whichever is the earlier.
3. The entrepreneur uses the same payment method that the consumer used for reimbursement, unless the consumer agrees to a different method. Reimbursement is free of charge for the consumer.
4. If the consumer has opted for a more expensive method of delivery than the cheapest standard delivery, the entrepreneur does not have to reimburse the additional costs for the more expensive method.

Article 10 - Exclusion of the right of withdrawal


The entrepreneur can exclude the following products and services from the right of withdrawal, but only if the entrepreneur has clearly stated this in the offer, at least in time for the conclusion of the agreement:

1. Products or services whose price is subject to fluctuations in the financial market over which the entrepreneur has no influence and which may occur within the withdrawal period
2. Agreements concluded during a public auction. A public auction means a sales method in which products, digital content and / or services are offered by the entrepreneur to the consumer who is present in person or who is given the opportunity to be present in person at the auction, under the direction of an auctioneer, and where successful bidder is obliged to purchase the products, digital content and / or services;
3. Service contracts, after full performance of the service, but only if:

a. the performance has begun with the express prior consent of the consumer; and
b. the consumer has stated that he loses his right of withdrawal as soon as the entrepreneur has fully executed the agreement;

4. Package tours as referred to in Article 7: 500 of the Dutch Civil Code and agreements for the transport of persons;  
5. Service agreements for making available of accommodation, if a specific date or period of execution is provided for in the agreement and other than for residential purposes, goods transport, car rental services and catering;
6. Agreements related to leisure activities, if a specific date or period of execution in the agreement 7. Products manufactured according to specifications of the consumer, which are not prefabricated and which are manufactured on the basis of an individual choice or decision of the consumer, or which are clearly intended for a specific person; 8. Products that spoil quickly or have a limited shelf life;
9. Sealed products that for reasons of health ndity protection or hygiene are not suitable for being returned and the seal of which has been broken after delivery;
10. Products that by nature are irrevocably mixed with other products after delivery;
11. Alcoholic beverages for which the price has been agreed at the conclusion of the agreement, but the delivery of which can only take place after 30 days, and whose actual value depends on fluctuations in the market over which the entrepreneur has no influence;
12. Sealed audio, video recordings and computer software, the seal of which has been broken after delivery;
13. Newspapers, magazines or magazines, with the exception of subscriptions to them;
14. The delivery of digital content other than on a tangible medium, but only if:

a. the performance has begun with the express prior consent of the consumer; and
b. the consumer has stated that he hereby loses his right of withdrawal.

Article 11 - The price

1. During the period of validity stated in the offer, the prices of the products and / or services offered are not increased. , subject to price changes as a result of changes in VAT rates.
2. Contrary to the previous paragraph, the entrepreneur may offer products or services whose prices are subject to fluctuations in the financial market and over which the entrepreneur has no influence, with offer variable prices. This link to fluctuations and the fact that any stated prices are target prices are stated in the offer.
3. Price increases within 3 months after the conclusion of the agreement are only permitted if they are the result of statutory regulations or provisions.
4. Price increases from 3 months after the conclusion of the agreement are only permitted if the entrepreneur has stipulated this and:

a. these are the result of statutory regulations or provisions; or
b. the consumer has the authority to cancel the agreement with effect from the day on which the price increase takes effect.
5. The prices stated in the offer of products or services include VAT.

Article 12 - Compliance with the agreement and extra guarantee

1. The entrepreneur guarantees that the products and / or services comply with the agreement, the specifications stated in the offer, the reasonable requirements of reliability and / or usability and the date of conclusion of the agreement existing legal provisions and / or government regulations. If agreed, the entrepreneur also guarantees that the product is suitable for other than normal use.
2. An additional guarantee provided by the entrepreneur, his supplier, manufacturer or importer never limits the legal rights and claims that the consumer has on under the agreement can be asserted against the entrepreneur if the entrepreneur has failed to fulfill his part of the agreement.
3. An extra guarantee is understood to mean every commitment of the entrepreneur, his supplier, importer or producer in which he meets grants the consumer certain rights or claims that go beyond what is legally required in case he has failed to fulfill his part of the agreement.

Article 13 - Delivery and execution

1 The entrepreneur will exercise the greatest possible care when booking and when executing product orders and when ordering. Ordering requests for the provision of services.
2. The place of delivery is the address that the consumer has made known to the entrepreneur.

3. With due observance of what is stated in article 4 of these general terms and conditions, the trader will execute accepted orders with due speed but at the latest within 30 days, unless a different delivery period has been agreed. If the delivery is delayed, or if an order cannot or only partially be executed, the consumer will be notified of this no later than 30 days after he has placed the order. In that case, the consumer has the right to terminate the agreement without costs and is entitled to any compensation.
4. After termination in accordance with the previous paragraph, the entrepreneur will immediately refund the amount that the consumer has paid. 5. The risk of damage and / or loss of products rests with the entrepreneur until the moment of delivery to the consumer or a representative designated in advance and made known to the entrepreneur, unless explicitly agreed otherwise.

Article 14 - Duration transactions : duration, cancellation and extension


Termination:

1. The consumer can enter into an agreement that has been entered into for an indefinite period of time and that extends to the regular delivery of products (including electricity) or services, cancel at all times with due observance of the agreed termination rules and a cancellation period of at most one month.
2. The consumer may enter into a contract for a definite period of time has been entered into and that extends to the regular delivery of products (including electricity) or services, at all times terminate at the end of the specified duration with due observance of the agreed termination rules and a cancellation period of at most one month.
3. The consumer can terminate the agreements mentioned in the previous paragraphs:

a. At any time and not be limited to cancellation at a certain time or in a certain period;
b. at least cancel in the same way as they are entered into by him;
c. always cancel with the same cancellation period as the entrepreneur has negotiated for himself.


Extension:

4. An agreement that has been entered into for a certain period of time and that extends to the regular delivery of products. (including electricity) or services, may not be tacitly renewed or renewed for a specific duration.
5. Contrary to the previous paragraph, a contract that has been entered into for a definite period of time and that extends to the regular delivery of daily news and weekly newspapers and magazines are tacitly renewed for a fixed term of a maximum of three months, if the consumer can cancel this extended agreement at the end of the renewal with a notice period of at most one month.
6. An agreement concluded before has been entered into for a fixed period and that extends to the regular delivery of products or services, may only be tacitly extended for an indefinite period of time if the consumer may cancel at any time with a notice period of at most one month. The notice period is at most three months in the event that the agreement extends to the regular, but less than once a month, delivery of daily, news and weekly newspapers and magazines.
7. A limited-term agreement to arrange for introduction Delivery of daily, news and weekly newspapers and magazines (trial or introductory subscription) is not tacitly continued and ends automatically after the trial or introductory period.


Duration:

8. If an agreement has a duration of more than one year, the consumer may cancel the agreement at any time after one year with a cancellation period of at most one month, unless reasonableness and fairness are opposed to cancellation before the end of the agreed duration.

Article 15 - Payment

1. Unless otherwise specified in the agreement or additional conditions, the amounts owed by the consumer must be paid within 14 days after the cooling-off period has commenced, or in the absence of a cooling-off period within 14 days of concluding the agreement. In the case of an agreement to provide a service, this period starts on the day after the consumer has received the confirmation of the agreement.
2. When selling products to consumers, the consumer may never be obliged in general terms and conditions. up to an advance payment of more than 50%. When prepayment is stipulated, the consumer cannot assert any rights regarding the execution of the relevant order or service (s), before the stipulated prepayment has been made.
3. The consumer has the duty to make inaccuracies in payment data provided or stated. to inform the entrepreneur immediately.
4. If the consumer does not meet his payment obligation (s) in time, this is, after he has been informed by the entrepreneur of the late payment and the entrepreneur has granted the consumer a period of 14 days to still fulfill his payment obligations. to pay, after the payment has not been made within this 14-day period, the statutory interest on the outstanding amount and the entrepreneur is entitled to charge the extrajudicial collection costs incurred by him. These collection costs amount to a maximum of: 15% on outstanding amounts up to € 2,500; 10% over the following € 2,500 and 5% over the following € 5,000 with a minimum of € 40. The entrepreneur can deviate from the stated amounts and percentages for the benefit of the consumer.

Article 16 - Complaints procedure

1. The entrepreneur has a well-publicized complaints and deals with complaints under this procedure.
2. Complaints about the implementation of the agreement must be submitted fully and clearly described to the entrepreneur within a reasonable time after the consumer has discovered the defects.
3. Complaints submitted to the entrepreneur will be answered within a period of 14 days from the date of receipt. If a complaint requires a foreseeable longer processing time, the entrepreneur will respond within a period of 14 days with a message of receipt and an indication when the consumer can expect a more detailed answer.
4. A complaint about a product, service or the service of the entrepreneur can also be submitted via a complaint form on the consumer page of the website of Thuiswinkel.org www.thuiswinkel.org. The complaint is then sent to both the relevant entrepreneur and Thuiswinkel.org.
5. The consumer must at least give the entrepreneur 4 weeks to resolve the complaint in mutual consultation. After this period a dispute arises that is subject to the dispute settlement procedure.

Article 17 - Disputes

1. Agreements between the entrepreneur and the consumer to which these general terms and conditions apply are exclusively governed by Dutch law. applicable.
2. Disputes between the consumer and the trader about the conclusion or implementation of agreements with regard to products and services to be supplied or supplied by this trader can, with due observance of the provisions below, be settled by both the consumer and the trader submitted to the Home Shop Disputes Committee, Postbus 90600, 2509 LP in The Hague (www.sgc.nl).
3. A dispute will only be dealt with by the Disputes Committee if the consumer first submitted his complaint to the entrepreneur within a reasonable period of time.
4. If the complaint does not lead to a solution, the dispute must be submitted to the Disputes Committee in writing or in another form to be determined by the Commission, no later than   12 months after the date on which the consumer submitted the complaint to the entrepreneur .
5. If the consumer wants to submit a dispute to the Disputes Committee, the entrepreneur is bound by this choice. Preferably, the consumer first reports this to the entrepreneur.
6. If the entrepreneur wants to submit a dispute to the Disputes Committee, the consumer will have to declare in writing within five weeks of a written request from the entrepreneur if he so desires or wants the dispute dealt with by the competent court. If the entrepreneur does not hear of the consumer's choice within the five-week period, the entrepreneur is entitled to submit the dispute to the competent court. & Nbsp;
7. The Disputes Committee rules on the conditions as laid down in the regulations of the Disputes Committee (www.degeschillencommissie.nl/over-ons/de-commissies/2404/thuiswinkel). The decisions of the Disputes Committee are made by means of binding advice.
8. The Disputes Committee will not deal with a dispute or cease the treatment if the entrepreneur has been granted a moratorium, has become bankrupt or has actually terminated his business activities, before a dispute has been settled by the committee at the hearing. has been treated and a final judgment has been given.
9. If, in addition to the Thuiswinkel Dispute Committee, another recognized committee or affiliated to the Consumer Disputes Committee (SGC) or the Financial Services Complaints Institute (Kifid) is competent, for disputes concerning primarily the method of distance selling or services, Thuiswinkel Disputes Committee preferably authorized. For all other disputes, the other accredited disputes committee affiliated with SGC or Kifid.

Article 18 - Industry guarantee

1. Thuiswinkel.org guarantees the compliance of the binding advice of the Thuiswinkel Dispute Commission by its members, unless the member decides to submit the binding advice to the court for review within two months of sending it . This guarantee is revived if the binding advice has been maintained after the court has reviewed it and the judgment from which this emerges has become final. Up to a maximum of € 10,000 per binding recommendation, this amount is paid to the consumer by Thuiswinkel.org. For amounts greater than € 10,000 per binding recommendation, € 10,000 will be paid. For the rest, Thuiswinkel.org has an obligation to ensure that the member complies with the binding advice.
2. Application of this guarantee requires that the consumer makes a written appeal to Thuiswinkel.org and that he makes his claim. on the entrepreneur to Thuiswinkel.org. If the claim on the entrepreneur exceeds € 10,000, the consumer will be offered to transfer his claim to the extent that it exceeds the amount of € 10,000 to Thuiswinkel.org, after which this organization will pay the payment in its own name and costs. will legally demand this to satisfy the consumer.

Article 19 - Additional or deviating provisions

Additional or deviating provisions from these general terms and conditions may not be to the detriment of the consumer and must be in writing to be recorded or in such a way that it can be stored by the consumer in an accessible manner on a durable data carrier.

Article 20 - Modification of the General Terms and Conditions of Thuiswinkel

1. Thuiswinkel.org will not change these general terms and conditions except in consultation with the Consumers' Association.
2. Changes to these terms and conditions are only effective after they have been published in the appropriate manner, on the understanding that in the event of applicable changes during the term of an offer, the provision that is most favorable to the consumer will prevail.


Thuiswinkel.org

www.thuiswinkel.org

Horaplantsoen 20, 6717 LT Ede

PO Box 7001, 6710 CB Ede
 


Annex I: Model form for cancellation


Model form for cancellation


(only complete and return this form if you want to cancel the contract)

a. To: [entrepreneur's name]
[entrepreneur's geographical address]
[entrepreneur's fax number, if available]
[entrepreneur's e-mail address or electronic address]  

b. I / We * share / share * herewith that I / we * our agreement concerning the sale of the following products: [indication product] *
the delivery of the following digital content: [indication digital content ] *
the provision of the following service: [designation service] *,
revoked / revoked *

c. Ordered on * / received on * [order date with services or receipt with products]    
d. [Name of consumers (s)]
e. [Consumer address (s)]
f. [Signature consumer (s)] (only when this form is submitted on paper)


* Delete where not applicable or enter what is applicable.
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