Terms and conditions

General Terms and conditions

of eshop www.hinnovae.com

Introduction and Definitions

These General Terms and Conditions ("Terms") govern the legal relationship between:

Company Details:

  • Business name: MiKa Finans s.r.o
  • Registered office: Štefánikova trieda 30, 949 01 Nitra, Slovak Republic
  • Company ID: 50406051
  • Tax ID: 2120321786
  • VAT ID: SK2120321786
  • Bank: Tatra Banka, a.s. IBAN: SK48 1100 0000 0029 4120 6771
  • The Merchant is a VAT payer

and any person who is a Buyer of goods or services offered by the Merchant on the Merchant's Website and who acts as a consumer according to these Terms and applicable Slovak legislation, primarily: Act No. 102/2014 Coll. on consumer protection in the sale of goods or provision of services under a distance contract, Act No. 250/2007 Coll. on consumer protection, Act No. 22/2004 Coll. on electronic commerce, Act No. 40/1964 Coll. Civil Code, and Act No. 250/2007 Coll. on consumer protection.


Contact Information

  • Email: info@hinnovae.com
  • Phone: +421 911 700 432
  • Mailing address: MiKa Finans s.r.o, Štefánikova trieda 30, 949 01 Nitra, Slovak Republic

These Terms regulate the legal relationships between Buyers who are consumers and the Merchant.

The term "Online Shop" is identical to the terms "Electronic Shop" and "Website."

A Buyer is any person (natural or legal) who submits an order through the electronic order form using the Merchant's website or through other distance communication means.

A Consumer is a Buyer who is a natural person and who, when concluding a purchase contract through the Merchant's Website, is not acting within the scope of their business activities.

For contractual relationships with Buyers who are legal entities or natural persons acting within their business activities, the provisions of Act No. 513/1991 Coll. Commercial Code shall apply.

A distance contract means a contract between the Merchant and the consumer agreed and concluded exclusively through one or more means of distance communication without the simultaneous physical presence of the Merchant and the consumer.

The term "Purchase Contract" includes a purchase contract for tangible products and a contract for the provision of services.

Products (also "Goods") are goods or services that are intended for sale and are listed on the Merchant's Website.

The Merchant is also the operator of the electronic system through which they operate the website on the domain www.hinnovae.com.


Supervisory Authority

Inspectorate of the Slovak Trade Inspection based in Nitra for the Nitra Region

  • Address: Staničná 9, P. O. BOX 49A, 950 50 Nitra 1
  • Supervision Department
  • Phone: 037/772 02 16
  • Fax: 037/772 00 24
  • Email: nr@soi.sk

Buyers may also address complaints or suggestions directly to the Merchant at the address listed above. The Merchant recommends that Buyers send complaints and suggestions to the Merchant's email address: info@hinnovae.com for faster processing.

Any complaint or suggestion will be assessed and handled by the Merchant within 10 working days of receipt. The Merchant will inform the Buyer about the resolution in the same form in which the Buyer delivered the complaint or suggestion to the Merchant.

According to § 3, para. 1, letter n), Act No. 102/2014 Coll., the Merchant informs the consumer that there are no special applicable codes of conduct to which the Merchant has committed.


Product Ordering - Conclusion of Purchase Contract

The proposal to conclude a purchase contract from the Buyer's side is sending an order for products made through the electronic order form, using the Merchant's website, or through other distance communication means.

The purchase contract between the Buyer and the Merchant is concluded at the moment of delivery of the order confirmation to the Buyer, which the Buyer created according to the above procedure (electronically to the Buyer's email address chosen by the Buyer during the ordering process).

The purchase contract is concluded for a definite period and terminates mainly by fulfilling all obligations of the Merchant and the Buyer.

The purchase contract can also terminate in other cases defined by the legal order of the Slovak Republic, especially by agreement of the contracting parties, withdrawal from the contract by the consumer, and in similar cases.

The Merchant informs the Buyer that ordering products is associated with the obligation to pay for the Buyer, in the form of payment chosen by the Buyer.


Purchase Price and Payment Conditions

The price of goods and services ordered through the Merchant's Website ("purchase price") is listed separately for each product and is valid at the time the Buyer creates the order.

The basic currency is Euro (€).

The purchase price of goods or services listed on the Merchant's Website is the total price of goods or services including value-added tax and all other taxes, and is clearly stated on the Merchant's Website.

Transport costs and other costs related to product delivery are not included in the purchase price of goods or services.


Payment Methods

You can pay for goods and services on the Merchant's Website using these methods:

  • Payment by bank card through the Stripe payment gateway – cost €0 including VAT.
  • Bank transfer – cost €0 including VAT.

In case of withdrawal from the contract, the Merchant is obliged to return funds to the consumer in the same form as received from the consumer. Changing the form of refund is only possible with the consumer's consent.

When withdrawing from a contract for the sale of goods, the Merchant is not obliged to refund the consumer before the goods are delivered to the Merchant or until the consumer proves that they have sent the goods back to the Merchant, unless the Merchant proposes to collect the goods personally or through an authorized person.

If the consumer withdraws from a service contract and has given express consent before the start of service provision, the consumer is obliged to pay the Merchant only for services actually provided up to the day of delivery of the withdrawal notice. The price for actually provided services is calculated proportionally based on the total price agreed in the contract. If the total price agreed in the contract is overvalued, the price for actually provided services is calculated based on the market price of the provided service.

The consumer is not obliged to pay for:

  1. Services provided during the withdrawal period regardless of the extent of service provided, if:

    • The Merchant did not provide the consumer with legally required information, or
    • The consumer did not give the Merchant express consent to start providing the service.

  2. Fully or partially provided electronic content not supplied on a tangible medium, if:

    • The consumer did not give the Merchant express consent to start providing electronic content,
    • The consumer did not declare they were properly instructed that by expressing consent they lose the right to withdraw from the contract, or
    • The Merchant did not provide the consumer with legally required confirmation.

If goods were delivered to the consumer's home at the time of concluding a contract outside the Merchant's premises, and due to their nature cannot be sent back to the Merchant by post, the Merchant is obliged to arrange for collection of the goods at their own expense within the legally specified period.

The Merchant advises the Buyer that if, based on a service contract, the provision of service is to begin before the expiry of the withdrawal period or if the Buyer requests the provision of service before the expiry of the withdrawal period:

  • By giving consent to start providing the service before the expiry of the withdrawal period, the Buyer loses the right to withdraw from the contract after complete provision of the service.
  • The Merchant must have the Buyer's express consent to start providing the service before the expiry of the withdrawal period and a declaration that the consumer has been properly instructed.


Alternative Dispute Resolution

If a consumer is not satisfied with the way the Merchant has handled their complaint or believes that the Merchant has violated their rights, the Buyer has the right to contact the Merchant with a request for remedy. If the Merchant responds negatively to such a request or does not respond within 30 days from the date of its dispatch by the consumer, the consumer has the right to submit a proposal to initiate alternative dispute resolution according to § 12, Act No. 391/2015 Coll. on alternative resolution of consumer disputes.

The competent entity for alternative resolution of consumer disputes with the Merchant is:

  • Slovak Trade Inspection (contact can be found at https://www.soi.sk/sk/alternativne-riesenie-spotrebitelskych-sporov.soi), or
  • Another authorized legal entity registered in the list of alternative dispute resolution entities maintained by the Ministry of Economy of the Slovak Republic (list is available at http://www.mhsr.sk/ or directly at https://www.mhsr.sk/obchod/ochrana-spotrebitela/alternativne-riesenie-spotrebitelskych-sporov-1/zoznam-subjektov-alternativneho-riesenia-spotrebitelskych-sporov-1).

The Buyer has the right to choose which of the listed alternative dispute resolution entities to contact. The Buyer can use the online dispute resolution platform available at http://ec.europa.eu/consumers/odr/ or directly at https://webgate.ec.europa.eu/odr/main/index.cfm?event=main.home.chooseLanguage to submit a proposal for alternative resolution of their consumer dispute.

Alternative dispute resolution can only be used by a Buyer who, when concluding and fulfilling the contract, acts as a consumer. Alternative dispute resolution only concerns disputes between a consumer and a Merchant arising from or related to a consumer contract. Alternative dispute resolution only concerns distance contracts. The alternative dispute resolution entity may reject a proposal if the quantifiable value of the dispute does not exceed €20. The ARS entity may require the consumer to pay a fee for initiating alternative dispute resolution up to a maximum of €5 including VAT.

All further information regarding alternative dispute resolution between the Merchant and the Buyer-consumer arising from the Purchase Contract as a consumer contract or related to the Purchase Contract as a consumer contract is provided on the website of the Ministry of Economy of the Slovak Republic www.mhsr.sk and in Act No. 391/2015 Coll. on alternative resolution of consumer disputes.


Final Provisions

The Merchant reserves the right to change the Terms and Conditions. The obligation to provide written notification of changes to the Terms and Conditions is fulfilled by placing them on the Merchant's Website. In case of changes to the Terms and Conditions, the relationship between the Buyer and the Merchant is governed by the Terms and Conditions valid and effective at the conclusion of the Purchase Contract, until its termination.

For contractual relationships with natural persons who, when concluding a purchase contract under these Terms, do not act within the scope of their business activities (consumers), in addition to the general provisions of Act No. 40/1964 Coll. Civil Code, special regulations apply, especially Act No. 102/2014 Coll. on consumer protection in the sale of goods or provision of services under a distance contract and Act No. 250/2007 Coll. on consumer protection.

These Terms and Conditions form an integral part of the Complaint Procedure and Principles and Instructions on Personal Data Protection of this Website. The documents - Complaint Procedure and Principles and Instructions on Personal Data Protection of this Website are published on the Merchant's Website domain.

These Terms and Conditions become valid and effective upon their publication on the Merchant's Website on April 15th, 2025.


Product Delivery

The Merchant is obliged to fulfill the order and deliver goods or services to the Buyer within 30 days from the conclusion of the purchase contract and payment of the total order price to the Merchant. If both conditions mentioned above have been met (i.e., if the purchase contract has been concluded and the total order price has been paid to the Merchant), the Merchant is obliged to deliver goods or services to the Buyer within 30 days from the fulfillment of both these conditions.

The Merchant is obliged to deliver products to the Buyer in the ordered quantity and quality together with tax documents related to the order and other documents, if they exist and are typical for the given products or services.

The place of delivery of the ordered product is the address specified by the Buyer in the order.

The Merchant will deliver the product by their own means to the Buyer (or a person authorized by the Buyer to receive the product) or through third parties (transport and shipping companies).

Delivery of the product is completed by its acceptance by the Buyer (or a person authorized by the Buyer to receive the product).

The Merchant may send goods that are immediately available to the Buyer and deliver the remaining part of the order additionally within a period consistent with the delivery period according to these Terms, but only provided that the Buyer does not incur any additional costs due to this action by the Merchant, and only if the Buyer agrees with it.


Product Acceptance

The risk of product damage and liability for damage to the product passes to the Buyer only upon proper acceptance, regardless of whether the Buyer accepts the product personally or through an authorized third person. The Merchant recommends that the Buyer check the order when accepting it.

Upon acceptance of the product, ownership of the purchased product passes to the Buyer. In mail-order sales, ownership passes to the Buyer upon acceptance of the product by the Buyer at the delivery location specified by them.

The Merchant has the right to proper and timely payment of the order price from the Buyer for the delivered goods.


Transport - Product Delivery Methods and Transport Costs

Delivery methods and costs for ordered products:

Transport Forms:

  • Courier service.

Transport Costs:

  • Cost for delivery through courier service – €5 including VAT.

If the total purchase price of products in one Buyer's order is higher than €70 including VAT, the cost for any chosen form of transport is €0 including VAT.


Buyer's Withdrawal from the Purchase Contract Without Stating a Reason

If the Merchant has provided the consumer with information about the right to withdraw from the contract according to § 3 para. 1 letter h), Act No. 102/2014 Coll., the consumer is entitled, even without stating a reason, to withdraw from a distance contract or a contract concluded outside the Merchant's premises within 14 days from the day of:

  • acceptance of goods in case of contracts for the sale of goods,
  • conclusion of the service contract, or
  • conclusion of a contract for the provision of electronic content not supplied on a tangible medium.

Goods are considered accepted by the consumer at the moment when the consumer or a third person designated by them, with the exception of the carrier, takes over all parts of the ordered goods, or if:

  • goods ordered by the consumer in one order are delivered separately, at the moment of acceptance of the goods that were delivered last,
  • goods consisting of several parts or pieces are delivered, at the moment of acceptance of the last part or the last piece,
  • goods are delivered repeatedly during a defined period, at the moment of acceptance of the first delivered goods.

If the Merchant provided the consumer with information according to § 3 para. 1 letter h), Act No. 102/2014 Coll. only additionally, no later than 12 months from the beginning of the withdrawal period, the withdrawal period expires 14 days after the day when the Merchant additionally fulfilled the information obligation.

If the Merchant did not provide the consumer with information according to § 3 para. 1 letter h), Act No. 102/2014 Coll. even within the additional period, the withdrawal period expires 12 months and 14 days from the beginning of the withdrawal period.

The consumer may withdraw from a contract for the delivery of goods even before the withdrawal period begins.

The consumer is obliged to send the goods back or hand them over to the Merchant or a person authorized by the Merchant to receive the goods within 30 days from the day of withdrawal from the contract. This does not apply if the Merchant proposes to collect the goods personally or through an authorized person. The deadline is considered met if the goods were handed over for transport no later than on the last day of the deadline (§ 10, para. 1, Act No. 102/2014 Coll.).

The consumer is obliged, if they want to use this right, to notify the Merchant of the withdrawal from the purchase contract no later than on the last day of the specified period. The deadline for withdrawal from the contract is considered met if the notification of withdrawal from the contract was sent to the Merchant no later than on the last day of the deadline to the Merchant's address, which is:

MiKa Finans s.r.o, Štefánikova trieda 30, 949 01 Nitra, Slovak Republic

This right can also be exercised by the consumer at any of the Merchant's business premises.

The consumer may exercise the right to withdraw from the contract with the merchant in paper form or in the form of a record on another durable medium; if the contract was concluded orally, to exercise the consumer's right to withdraw from the contract, any unambiguously formulated statement by the consumer expressing their will to withdraw from the contract is sufficient (hereinafter referred to as "notification of withdrawal from the contract").

If the consumer withdraws from the contract, any supplementary contract related to the contract from which the consumer has withdrawn is also canceled from the beginning. No costs or other payments can be required from the consumer in connection with the cancellation of the supplementary contract except for the reimbursement of costs and payments stated in § 9, para. 3 and § 10, para. 3, Act No. 102/2014 Coll. and the price for a service, if the subject of the contract is the provision of a service and if the service has been fully provided.

Upon withdrawal from the contract, the contracting parties are obliged to return the performances provided to each other. The consumer is only responsible for the reduction in the value of goods that occurred as a result of handling the goods in a way that goes beyond the handling necessary to determine the properties and functionality of the goods. The consumer is not responsible for the reduction in the value of goods if the Merchant did not fulfill the information obligation about the consumer's right to withdraw from the contract according to § 3 para. 1 letter h), Act No. 102/2014 Coll.

The consumer may use the form for withdrawal from a purchase contract without stating a reason to withdraw from the contract. This form is freely accessible on the Merchant's Website.

If the consumer withdraws from the contract in accordance with Act No. 102/2014 Coll., they bear the costs of returning the goods to the Merchant according to § 10, para. 3, Act No. 102/2014 Coll., and if they withdraw from a distance contract, also the costs of returning goods that, due to their nature, cannot be returned by post; this does not apply if the Merchant agreed to bear these costs themselves, or if they did not fulfill the obligation according to § 3, para. 1, letter i), Act No. 102/2014 Coll.

The Merchant is obliged without undue delay, no later than 30 days from the day of delivery of the notification of withdrawal from the contract, to return to the consumer all payments received from them based on the contract or in connection with it, including the costs of transport, delivery and postage and other costs and fees; this does not affect the provision of § 8, para. 5, Act No. 102/2014 Coll. on consumer protection in the sale of goods or provision of services under a distance contract or a contract concluded outside the Merchant's premises.

According to § 9, para. 3, Act No. 102/2014 Coll., the Merchant is not obliged to reimburse the consumer for additional costs if the consumer expressly chose a delivery method other than the cheapest standard delivery method offered by the Merchant. Additional costs mean the difference between the delivery costs chosen by the consumer and the costs of the cheapest standard delivery method offered by the Merchant.

Shipments sent in case of withdrawal from the purchase contract as cash on delivery will not be accepted by the Merchant. We recommend that Buyers send shipments by registered mail or a similar form without specifying a cash on delivery amount.

When withdrawing from the contract, the consumer bears only the costs of returning the goods to the Merchant or to a person authorized by the Merchant to receive the goods. This does not apply if the Merchant agreed to bear these costs themselves, or if they did not fulfill the obligation according to § 3 para. 1 letter i) Act on consumer protection in the sale of goods or provision of services under a distance contract or a contract concluded outside the Merchant's premises.

Besides the obligations mentioned above, the exercise of the consumer's right to withdraw from the contract must not result in additional costs or other obligations for the consumer.

The right to withdraw from the contract does not apply to goods and services that are defined in § 7, para. 6, letters a) to l), Act No. 102/2014 Coll. Specifically:

  1. provision of a service, if its provision began with the express consent of the consumer and the consumer declared that they were properly instructed that by expressing this consent they lose the right to withdraw from the contract after the full provision of the service, and if the service has been fully provided,
  2. sale of goods or provision of a service whose price depends on movements in the financial market that the Merchant cannot influence and which may occur during the withdrawal period,
  3. sale of goods made according to special requirements of the consumer, goods made to measure or goods intended specifically for one consumer,
  4. sale of goods subject to rapid quality reduction or spoilage,
  5. sale of goods sealed in a protective packaging that is not suitable to be returned for health protection or hygienic reasons and whose protective packaging has been broken after delivery,
  6. sale of goods that may be inseparably mixed with other goods after delivery due to their nature,
  7. sale of alcoholic beverages whose price was agreed at the time of concluding the contract, while their delivery can take place at the earliest after 30 days and their price depends on movements in the market that the Merchant cannot influence,
  8. performance of urgent repairs or maintenance explicitly requested by the consumer from the Merchant; this does not apply to service contracts and contracts whose subject is the sale of other goods than spare parts needed for repairs or maintenance, if they were concluded during the Merchant's visit to the consumer and the consumer did not order these services or goods in advance,
  9. sale of audio recordings, visual recordings, audio-visual recordings or computer software sold in a protective packaging, if the consumer has unpacked this packaging,
  10. sale of periodical press with the exception of sales based on a subscription agreement and the sale of books not delivered in a protective packaging,
  11. provision of accommodation services for a purpose other than housing, transport of goods, car rental, provision of catering services or provision of services related to leisure activities and according to which the Merchant undertakes to provide these services at the agreed time or within the agreed period,
  12. provision of electronic content other than on a tangible medium, if its provision began with the express consent of the consumer and the consumer declared that they were properly instructed that by expressing this consent they lose the right to withdraw from the contract.