Customs and Duties Disclaimer

Effective Date: 21 November 2025
Last Updated: 21 November 2025

Company: One Finance Limited
Registered Address:
Level 3 (Suite No. 3211), Tower Business Centre, Tower Street, Swatar, Birkirkara, BKR 4013, Malta
Company Registration Number: C 108849
VAT Number: MT31333709
Support Email: support@onebanking.app

1. Purpose of This Disclaimer

This Customs and Duties Disclaimer explains your responsibilities when ordering merchandise from shop.onebanking.app, especially for items produced or shipped from outside your country or customs zone.

Because our merchandise is fulfilled through Printful, Printify, and Spreadconnect, orders may ship from different countries depending on product type, stock availability, and fulfilment location.

This disclaimer complies with EU consumer protection laws, international import regulations, and transparency requirements.

2. Cross-Border Shipments and Import Charges

Your order may be shipped from:

  • An EU fulfilment centre

  • A non-EU fulfilment centre (USA, UK, Canada, Australia, Asia, etc.)

  • Any other location operated by our production partners

As a result, the following may be charged by your local customs authority:

  • Import duties

  • Customs fees

  • VAT

  • Handling fees

  • Brokerage charges

  • Administrative fees

These charges:

  • Are not included in product prices

  • Are not included in shipping fees

  • Are not collected by One Finance Limited

  • Are determined solely by your country’s customs authority

You are fully responsible for paying any required import charges.

3. Customer Responsibility for Duties and Taxes

By placing an order on shop.onebanking.app, you agree that:

  • You are the importer of record for goods shipped to your country.

  • You are responsible for all customs duties, VAT, taxes, and import fees.

  • One Finance Limited cannot estimate or influence these fees.

Failure to pay such charges may lead to:

  • Delivery delays

  • Return of the package

  • Destruction or abandonment by customs

  • Additional penalties

If a shipment returns due to unpaid customs fees, refund eligibility depends on Printful, Printify, or Spreadconnect policies.

4. Customs Clearance and Processing Delays

Customs processes vary by country and may cause delays outside our control. Delivery timelines cannot be guaranteed when customs inspection is involved.

Common causes of delays include:

  • Public holidays or customs backlog

  • Random inspections

  • Additional verification

  • High-value order checks

  • Missing tax ID numbers (in some countries)

Delivery estimates shown on the store are general guidelines only.

5. Shipments Within the EU

For many EU-based orders:

  • No import duty is applied

  • VAT may be included depending on destination rules

  • Customs clearance is typically not required

However, some products may still ship from non-EU fulfilment locations.

6. Shipments Outside the EU

Customers outside the EU may encounter:

  • Customs duties

  • Import taxes

  • Handling/brokerage fees (DHL, UPS, FedEx, etc.)

  • GST, VAT, or other consumption taxes

Charges depend on:

  • Declared value

  • Product type

  • Country of origin

  • Local tax laws

Customers should check local customs rules before placing an order.

7. Print-on-Demand Partner Compliance

7.1. Declared Value & Documentation

Printful, Printify, and Spreadconnect prepare customs documents according to international standards:

  • HS codes

  • Commercial invoices

  • Accurate product descriptions

These documents cannot be altered or undervalued to avoid customs fees.

7.2. Fulfilment Centre Location

The fulfilment location depends on:

  • Product availability

  • Stock levels

  • Your shipping address

  • Routing rules of production partners

Different items in one order may ship from different countries and may incur separate customs fees.

8. Denied, Unclaimed, or Returned Packages

If you refuse to pay customs duties or fail to pick up your package:

  • The package may be returned (if allowed)

  • The package may be destroyed or abandoned

  • Additional fees may apply

Refunds are not guaranteed because print-on-demand suppliers have strict policies for unclaimed international returns.

One Finance Limited cannot influence these outcomes.

9. No Liability for Customs-Related Losses

To the extent permitted by law, One Finance Limited is not liable for:

  • Customs duties or taxes

  • Customs delays

  • Seized or destroyed packages

  • Returns due to unpaid fees

  • Customs storage or administrative costs

  • Re-shipping fees after customs returns

Your purchase indicates acceptance of these terms.

10. How to Get More Information

For details on customs duties in your country, contact your national customs authority.

For general guidance (not legal or financial advice), contact:
support@onebanking.app

11. Updates to This Disclaimer

We may update this disclaimer due to:

  • Legal changes

  • Customs regulation updates

  • Changes in fulfilment locations

  • Shipping policy updates

Updated versions will include a new effective date.