Widerrufsrecht

One Finance Limited (“oneBanking”, “we”, “us”, “our”) is committed to ensuring customer satisfaction. This Refund & Returns Policy explains your rights and obligations when returning items purchased from our merchandise store at shop.oneBanking.app.

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

1. Applicability
   This Policy applies only to the merchandise store at shop.oneBanking.app.
   Purchasing merchandise forms a contract between you and One Finance Limited under this Policy.

2. Your Right to Return – 30-Day Period
   You may request a return for change of mind within 14 days of receiving your order.
   Damaged, defective, or misprinted items may be returned within 30 days, based on supplier policies.

3. Return Conditions
   Items must be unused, unwashed, and in original condition with tags and packaging.
   Custom, personalized, or made-to-order items may not be eligible for return.
   If returned items show wear or damage, we may refuse or reduce the refund.
   Items made on demand are not returnable for buyer’s remorse after 14 days.

4. Items Not Eligible for Return
   The following items may be non-returnable:
   Custom or personalized prints
   Final sale, custom, or print-on-demand items
   Intimate or hygiene-sensitive products
   Digital goods
   Certain accessories depending on supplier rules
   Some items are not returnable beyond the 14-day withdrawal period unless defective or misprinted.

5. Return Process
   Contact Customer Support
   Email support@oneBanking.app with your order number, purchase date, items to return, and reason.
   Return Authorization
   We will provide the correct return address based on which supplier (Printful, Printify, Spreadconnect) fulfilled your item.
   Return Shipment
   You must ship the item to the supplier’s return center. Use a trackable method.
   Inspection
   The supplier inspects the returned item before refund approval.

6. Faulty, Defective, or Incorrect Items
   Notify Us
   Email support@oneBanking.app within 30 days of delivery with photos and order details.
   Return Costs
   If confirmed faulty or incorrect, return shipping may be covered by us or the supplier.
   Refund or Replacement
   You may choose refund or replacement depending on supplier availability.

7. Refunds
   Refund Method
   Refunds are issued to the original payment method (Shopify Payments, Shop Pay, PayPal).
   No cash refunds.
   Timing
   Once the supplier confirms the return, refunds may take up to 14 business days to process, depending on your bank.
   Partial Refunds
   Items not returned in like-new condition may receive reduced refunds.
   Partial order returns apply only to the returned items.

8. Return Shipping Costs
   For change-of-mind returns, you pay return shipping.
   For supplier errors, return shipping may be covered.
   Import duties or taxes for returns may be your responsibility unless local law states otherwise.

9. Customs, Duties, and Import Issues
   Import taxes paid at delivery may not be refundable.
   Some countries may allow duty refunds by applying directly to customs.
   We can provide documentation if supported by the supplier.

10. Cancellation Before Dispatch
    Orders can be cancelled only if production has not yet started.
    Contact support@oneBanking.app immediately with your order number.
    If production has begun, cancellation may not be possible or may incur production charges.

11. Consumer Rights Under EU and Maltese Law
    Statutory rights under EU/Maltese law apply, including:
    Right to withdraw within 14 days
    Right to refunds for defective goods
    Right to pre-purchase return information
    This Policy does not restrict your legal rights.

12. Limitation of Liability
    We are not liable for damage or loss during return shipping unless caused by our or supplier negligence.
    Liability is limited to the purchase price of the returned item, excluding shipping costs.
    Nothing limits liability where prohibited by law.

13. Dispute Resolution
    If you are not satisfied with the outcome of a return or refund, contact support@oneBanking.app with your order details and issue summary.
    Unresolved disputes may be referred to the European Online Dispute Resolution platform or Maltese consumer protection authorities.

14. Changes to This Policy
    We may update this Policy periodically.
    Updated versions will be published on shop.oneBanking.app with a revised Effective Date (currently 21 November 2025).
    Continued purchasing indicates acceptance of updated terms.

15. How to Contact Us
    support@oneBanking.app
    One Finance Limited
    Level 3 (Suite No. 3211)
    Tower Business Centre
    Tower Street
    Swatar, Birkirkara
    BKR 4013, Malta

Summary Table

Issue
Your rights or action

Change of mind
Return within 14 days; customer pays return shipping

Faulty or damaged item
Report within 30 days; return shipping covered; refund or replacement provided

Refund
Issued to original payment method; may take up to 14 business days after supplier confirmation

Cancellation
Allowed before production begins; contact support immediately

Non-returnable items
Custom, personalized, final-sale items may be excluded

Liability
Limited to purchase price; not responsible for return transit issues unless fault lies with supplier or us