Terms and Conditions - Patmos Varieties

Last Updated: October 15, 2025

1. Introduction

Welcome to Patmos Varieties. These Terms and Conditions govern your use of our website and your purchase of products through our hire-purchase program. By accessing our website or entering into a hire-purchase agreement, you agree to be bound by these terms.

2. Hire Purchase Agreement

2.1 What is Hire Purchase?

A hire-purchase agreement allows you to acquire products by paying in installments over an agreed period. You will have the right to use the product during this period, but ownership will only transfer to you upon completion of all payments.

2.2 Eligibility

To enter into a hire-purchase agreement with Patmos Varieties, you must:

• Be at least 18 years of age
• Provide valid identification
• Have a verifiable source of income
• Pass our credit assessment process
• Provide accurate contact and delivery information

2.3 Agreement Terms

Each hire-purchase agreement will specify:

• The product(s) being purchased
• The total purchase price
• The deposit amount (if applicable)
• The number and amount of installment payments
• The payment frequency (weekly, bi-weekly, or monthly)
• The total amount payable including any interest or fees
• The duration of the agreement

3. Payment Terms

3.1 Payment Schedule

Payments must be made according to the schedule outlined in your hire-purchase agreement. Payment methods accepted include mobile money, bank transfer, cash, and debit/credit cards.

3.2 Late Payments

If you fail to make a payment on time:

• A late payment fee may be charged as specified in your agreement
• Your account may be suspended from making new purchases
• We reserve the right to repossess the product(s) if payments are significantly overdue
• The outstanding balance may become immediately due and payable

3.3 Early Payment

You may settle your hire-purchase agreement early at any time. Early settlement may result in reduced interest charges. Contact our customer service team for an early settlement quote.

4. Ownership and Possession

4.1 During Agreement Period

Until all payments are completed, the products remain the property of Patmos Varieties. You have the right to possess and use the products, but you may not:

• Sell, lease, or transfer the products to another person
• Use the products as security for any loan or debt
• Remove the products from the delivery address without our written permission
• Modify or alter the products in a way that diminishes their value

4.2 Transfer of Ownership

Ownership of the products will transfer to you automatically upon receipt of your final payment. You will receive written confirmation of ownership transfer.

5. Product Quality and Warranties

5.1 Quality Guarantee

All products sold by Patmos Varieties are original and sourced from reputable manufacturers and authorized distributors. We guarantee that products will be free from defects at the time of delivery.

5.2 Manufacturer Warranties

Most products come with manufacturer warranties. These warranties remain valid regardless of your payment status, subject to the manufacturer\'s terms and conditions.

5.3 Our Warranty

In addition to manufacturer warranties, Patmos Varieties provides a 30-day satisfaction guarantee. If you are not satisfied with your purchase within 30 days, please contact us to discuss available options.

6. Delivery and Installation

6.1 Delivery

We will deliver products to the address specified in your agreement. Delivery times are estimates and may vary. We will notify you prior to delivery.

6.2 Installation

Installation services are included for applicable products (e.g., air conditioners, large appliances). Our technicians will ensure proper installation and provide usage instructions.

6.3 Inspection

You must inspect products upon delivery and report any visible damage or defects immediately. Acceptance of delivery constitutes confirmation that products are in good condition.

7. Customer Responsibilities

As a customer under a hire-purchase agreement, you agree to:

• Maintain the products in good condition
• Use products only for their intended purpose
• Allow reasonable access for inspection or maintenance
• Insure products against damage, loss, or theft (if required by agreement)
• Notify us immediately if products are damaged, stolen, or need repairs
• Provide accurate information throughout the application process

8. Returns and Cancellations

Please refer to our separate Return Policy for detailed information on returns, exchanges, and cancellations of hire-purchase agreements.

9. Default and Repossession

9.1 Events of Default

You will be in default if you:

• Fail to make two or more consecutive payments
• Provide false or misleading information
• Breach any term of the hire-purchase agreement
• Become insolvent or bankrupt
• Relocate without notifying us of your new address

9.2 Our Rights Upon Default

If you default, we may:

• Demand immediate payment of all outstanding amounts
• Repossess the products without further notice
• Report the default to credit bureaus
• Take legal action to recover outstanding amounts
• Charge reasonable costs associated with repossession and collection

10. Limitation of Liability

Patmos Varieties shall not be liable for any indirect, incidental, special, or consequential damages arising from the use or inability to use products purchased under hire-purchase agreements.

11. Privacy and Data Protection

We collect and process your personal information in accordance with our Privacy Policy. By entering into a hire-purchase agreement, you consent to our use of your information for credit assessment, account management, and marketing purposes.

12. Dispute Resolution

12.1 Contact First

If you have any concerns or disputes, please contact our customer service team first. We are committed to resolving issues amicably.

12.2 Mediation

If we cannot resolve a dispute through direct communication, we agree to participate in mediation before pursuing legal action.

12.3 Governing Law

These Terms and Conditions are governed by the laws of Ghana. Any disputes will be subject to the exclusive jurisdiction of the courts of Ghana.

13. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be posted on our website with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the modified terms.

14. Contact Information

For questions about these Terms and Conditions or your hire-purchase agreement, please contact us:

• Email: support@patmosvarieties.com
• Phone: [Your Phone Number]
• Address: [Your Physical Address]

By using Patmos Varieties and entering into hire-purchase agreements, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

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Privacy Policy - Patmos Varieties

Last Updated: October 15, 2025

1. Introduction

At Patmos Varieties, we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our website, apply for hire-purchase services, or interact with us in any way.

2. Information We Collect

2.1 Personal Information

When you register, apply for hire purchase, or make a purchase, we collect:

• Full name and date of birth
• Contact information (phone number, email address, physical address)
• Government-issued identification details
• Employment and income information
• Bank account or mobile money details for payments
• Emergency contact information
• Delivery address and preferences

2.2 Financial Information

For credit assessment and hire-purchase agreements, we may collect:

• Income verification documents
• Credit history information
• Payment transaction records
• Bank statements or proof of income
• Existing debt obligations

2.3 Technical Information

When you visit our website, we automatically collect:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on site
• Referring website or source
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information for the following purposes:

3.1 Service Delivery

• Processing your hire-purchase applications
• Conducting credit assessments and risk analysis
• Managing your account and payments
• Delivering products to your specified address
• Providing customer support and assistance
• Sending transaction confirmations and payment reminders

3.2 Legal and Compliance

• Verifying your identity and preventing fraud
• Complying with legal and regulatory requirements
• Enforcing our terms and conditions
• Protecting our rights and property
• Resolving disputes and investigating complaints

3.3 Marketing and Communication

• Sending promotional offers and product updates (with your consent)
• Conducting customer satisfaction surveys
• Personalizing your shopping experience
• Analyzing customer behavior to improve our services

4. Information Sharing and Disclosure

We may share your information with the following parties:

4.1 Service Providers

• Payment Processors: Hubtel, mobile money providers, and banks for processing payments
• Delivery Partners: Logistics companies for product delivery
• Credit Bureaus: For credit checks and reporting (with your consent)
• IT Service Providers: For hosting, maintenance, and technical support

4.2 Legal Requirements

We may disclose your information if required by law, court order, or government regulation, or to protect our legal rights and prevent fraud.

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections.

4.4 With Your Consent

We will not share your personal information with third parties for their marketing purposes without your explicit consent.

5. Data Security

We implement industry-standard security measures to protect your information:

• Encryption of sensitive data during transmission (SSL/TLS)
• Secure servers with restricted access
• Regular security audits and vulnerability assessments
• Employee training on data protection
• Multi-factor authentication for account access
• Regular backups and disaster recovery procedures

However, no method of transmission over the Internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Your Rights and Choices

You have the following rights regarding your personal information:

6.1 Access and Correction

You can request access to your personal information and ask us to correct any inaccuracies. Log in to your account or contact our customer service team.

6.2 Data Portability

You have the right to receive your personal information in a structured, commonly used format and transfer it to another service provider.

6.3 Deletion

You can request deletion of your personal information, subject to legal and contractual obligations. Note that we must retain certain information for hire-purchase agreements and legal compliance.

6.4 Marketing Opt-Out

You can opt out of marketing communications at any time by:

• Clicking "unsubscribe" in email communications
• Updating your preferences in your account settings
• Contacting our customer service team

6.5 Cookies

You can control cookies through your browser settings. However, disabling cookies may affect your ability to use certain features of our website.

7. Data Retention

We retain your information for as long as necessary to:

• Fulfill the purposes outlined in this Privacy Policy
• Maintain your hire-purchase agreement and payment records
• Comply with legal, accounting, and regulatory requirements
• Resolve disputes and enforce our agreements

Generally, we retain:

• Account Information: For the duration of your account plus 7 years
• Transaction Records: 7 years from the date of transaction
• Marketing Data: Until you opt out or request deletion
• Technical Data: Up to 2 years

8. Children\'s Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we discover that we have collected information from a child, we will delete it immediately.

9. International Data Transfers

Your information may be stored and processed in Ghana or other countries where our service providers operate. We ensure that appropriate safeguards are in place for international data transfers.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by:

• Posting the updated policy on our website with a new "Last Updated" date
• Sending an email notification (for material changes)
• Displaying a notice on our website

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:

• Email: privacy@patmosvarieties.com
• Phone: [Your Phone Number]
• Address: [Your Physical Address]
• Data Protection Officer: [DPO Name and Contact]

13. Consent

By using Patmos Varieties services and providing your personal information, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy.

Your privacy matters to us. We are committed to protecting your information and using it responsibly to provide you with the best hire-purchase experience.

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Return and Refund Policy - Patmos Varieties

Last Updated: October 15, 2025

1. Overview

At Patmos Varieties, we want you to be completely satisfied with your purchase. This Return and Refund Policy outlines the conditions under which you can return products purchased through our hire-purchase program and the process for obtaining refunds or exchanges.

2. Return Eligibility

2.1 General Return Period

You may return products within 14 days of delivery for a full refund or exchange, provided:

• The product is unused and in its original condition
• All original packaging, accessories, and documentation are included
• The product has not been damaged due to misuse or negligence
• You have proof of purchase (receipt or order confirmation)

2.2 Extended Return Period for Defects

If a product is defective or damaged upon delivery, you have 30 days to report the issue and request a return, replacement, or repair.

2.3 Non-Returnable Items

The following items cannot be returned for hygiene or safety reasons:

• Personal care appliances that have been used (e.g., electric shavers, hair dryers)
• Mattresses and bedding that have been removed from packaging
• Custom-made or personalized items
• Perishable goods
• Products marked as "Final Sale" or "Non-Returnable"

3. Return Process

3.1 How to Initiate a Return

To return a product:

1. Contact Us: Email support@patmosvarieties.com or call our customer service within the return period
2. Provide Information: Include your order number, product details, and reason for return
3. Get Authorization: Wait for our team to review and approve your return request
4. Receive Instructions: We will provide return shipping instructions or arrange for pickup
5. Pack the Product: Securely package the product with all accessories and documentation
6. Return the Product: Ship the product to our designated address or wait for our pickup

3.2 Return Shipping

• Defective Products: We cover all return shipping costs
• Change of Mind: Customer is responsible for return shipping costs
• Large Items: We will arrange and cover pickup for heavy appliances and furniture (if approved)

4. Refunds

4.1 Refund Processing Time

Once we receive and inspect the returned product:

• Inspection takes 3-5 business days
• Approved refunds are processed within 7-10 business days
• Refunds are issued to the original payment method

4.2 Hire-Purchase Refunds

For products purchased under hire-purchase agreements:

• If you return within 14 days and no payments have been made, the agreement is cancelled with no charges
• If payments have been made, we refund all payments minus any restocking fees (if applicable)
• Any deposit paid will be refunded in full for approved returns
• The hire-purchase agreement is terminated upon acceptance of the return

4.3 Partial Refunds

Partial refunds may be issued if:

• Product is returned with missing accessories or packaging
• Product shows signs of use beyond normal inspection
• Product is returned after the standard return period but within the defect period

4.4 Restocking Fee

A restocking fee of up to 15% may apply for returns due to change of mind, except where prohibited by law. Defective or damaged products are not subject to restocking fees.

5. Exchanges

5.1 Product Exchanges

You may exchange a product for:

• A different size, color, or model (if available)
• A product of equal or greater value
• Store credit for future purchases

5.2 Exchange Process

Follow the same return process and indicate that you prefer an exchange. We will ship the replacement product once we receive and approve the return.

6. Defective or Damaged Products

6.1 Reporting Defects

If you receive a defective or damaged product:

1. Inspect the product immediately upon delivery
2. Take photos or videos of the damage or defect
3. Contact us within 48 hours of delivery
4. Provide order details and evidence of the issue

6.2 Resolution Options

For defective or damaged products, we offer:

• Replacement: We send a new product at no additional cost
• Repair: We arrange for professional repair (for minor issues)
• Full Refund: Complete refund including all payments made and shipping costs

7. Cancellation of Hire-Purchase Agreement

7.1 Early Cancellation

You may cancel your hire-purchase agreement:

• Within 14 days: Full refund with no penalties (cooling-off period)
• After 14 days: Return the product and receive a refund of payments made, minus any usage fees or restocking charges as specified in your agreement

7.2 Cancellation Process

1. Submit a written cancellation request
2. Return the product in good condition
3. Settle any outstanding fees or charges
4. Receive confirmation of agreement termination

8. Warranty Claims

8.1 Manufacturer Warranty

Products under manufacturer warranty should be directed to the manufacturer or authorized service center. We will assist with:

• Providing warranty documentation
• Facilitating contact with service centers
• Coordinating repairs or replacements

8.2 Patmos Varieties Warranty

Our 30-day satisfaction guarantee covers:

• Product defects not covered by manufacturer warranty
• Performance issues that arise within 30 days
• Dissatisfaction with product quality

9. Exceptions and Special Cases

9.1 Seasonal Sales and Promotions

Products purchased during special sales may have modified return terms. These will be clearly stated at the time of purchase.

9.2 Clearance Items

Clearance or discontinued items may be sold "as-is" with limited or no return options unless defective.

9.3 Installation Issues

If installation was provided by Patmos Varieties and issues arise, we will re-install or correct the problem at no additional cost within 30 days.

10. Customer Responsibilities

To ensure a smooth return process:

• Keep all original packaging until you\'re satisfied with the product
• Test products upon delivery to identify any issues early
• Maintain products in good condition during the return period
• Provide accurate information when requesting returns
• Follow all return instructions provided by our team

11. Contact Us

For return or refund requests, or if you have questions about this policy:

• Email: returns@patmosvarieties.com
• Phone: [Your Phone Number]
• Customer Service Hours: Monday - Saturday, 8:00 AM - 6:00 PM
• Address: [Your Physical Address]

12. Policy Updates

We may update this Return and Refund Policy from time to time. Changes will be posted on our website with a revised "Last Updated" date.

At Patmos Varieties, your satisfaction is our priority. We are committed to making returns and refunds as simple and fair as possible.