Terms of Business

Insignum d.o.o. — limited liability company for computer and related activities, trade and services
Director: Goran Stantić
Registered office and management: Rujanska 11, 10000 Zagreb
OIB: 80945995095; MBS: 2727756; MB: 02727765
ZABA IBAN: HR3723600001102193147
Share capital: EUR 2,654.47 paid in full
Web shop email: webshop@insignum.hr
Contact number: 01/777 0 111

Seller is Insignum d.o.o., Rujanska 11, 10000 Zagreb, OIB: 80945995095, trading under the name Insignum;

insignum.hr is the web shop owned by Insignum d.o.o.;

Buyer is any natural or legal person who orders at least one product through insignum.hr and pays by credit card, bank transfer, e-banking or cash on delivery;

Visitor is a person who accesses insignum.hr and browses its content without making a purchase;

Users are Buyers and Visitors together;

Products are all products featured in the insignum.hr web shop that can be purchased;

Retail price is the price shown for each product, expressed in euros (EUR) including VAT.

Users are advised to read these Terms and Conditions before purchasing and to review them regularly so they are aware of all rights and obligations. These General Terms apply between the Buyer and the Seller regarding the purchase of products by the Buyer through the insignum.hr web shop.

By proceeding to purchase a product online or by visiting this website to obtain information about a particular product, Users are deemed to have read and accepted these Terms. By using the insignum.hr web shop, the User is deemed to have read and accepted these General Terms. The Seller accepts no liability for any dispute arising from a Visitor, User and/or Buyer failing to read the General Terms and Conditions.
The Consumer Protection Act (OG 41/2014, 110/2015), Chapter III — Conclusion of off-premises and distance contracts, Articles 57 to 79, applies to these business terms.

The general terms of the insignum.hr web shop are drawn up in accordance with the Consumer Protection Act, the Electronic Commerce Act, the Personal Data Protection Act and the Obligations Act, and together with the information published on the insignum.hr website constitute pre-contractual notice within the meaning of Article 57 of the Consumer Protection Act.

When placing an order, the Buyer cannot purchase a product without first accepting these General Terms and Conditions. By accepting these General Terms, the Buyer agrees that confirmation of the pre-contractual notice will be sent by email in PDF format to the email address provided as contact when ordering Products, enabling the Buyer to save, reuse and reproduce it. If that is not possible, the pre-contractual notice will be sent by post to the home address, at the latest together with delivery of the Product and the invoice.

The Seller may change the content of these General Terms, the product range, other data relating to the insignum.hr web shop and all other content without prior notice, subject to public announcement on insignum.hr, which is why Users must review the content on each visit.
The Buyer must be an adult with full legal capacity. Contracts on behalf of minors or persons lacking full legal capacity may be concluded by their legal representatives; persons with limited capacity may conclude a contract only with the consent of their legal representative. The Seller accepts no liability for any action contrary to this provision.

Online purchases can be made only within the territory of the Republic of Croatia, which means delivery of purchased products exclusively within that territory.

Images and descriptions of individual products are obtained from the manufacturer or distributor or downloaded from the internet and may not exactly match the product. On the insignum.hr web shop we aim to describe products as accurately as possible, but we reserve the right to errors in descriptions and images. We are not liable for unintentional errors in product descriptions. Prices, payment terms and promotional offers are valid only at the time of ordering and/or payment and may change without prior notice.

When completing the registration form and during checkout, Customers must enter accurate, valid and complete personal data. If incorrect data was entered, corrected data may be sent to webshop@insignum.hr, or reported by phone at 01/777 0 111.
The contract for the sale of a product between the Buyer and the Seller is concluded at the moment the Buyer places the order.

The User can search for desired Products and/or services on the Seller’s pages: via the search engine, via internet advertising (banner) and by browsing categories in the menu at the top of the page. In the search results, the User can select a product and review the individual product page, which clearly states its main features and the applicable Retail price. If the User decides to purchase a particular product or service after reviewing the page on which the Seller has provided all details, they select “Add to cart”.

After adding all selected products and services, the User selects “Cart” in the upper right corner of insignum.hr. Products are purchased via the cart; both registered and unregistered Users may buy. When completing the registration form or order details at the cart step “Payment details”, the Buyer must provide accurate, valid and complete personal data. By selecting “Buy”, the Buyer makes an irrevocable offer to the Seller to purchase one or more products. Before completing the purchase, the Buyer may change product options, adjust quantities or add more products to the cart.

If the Seller cannot deliver a product because it is out of stock or cannot be ordered from the supplier, the Seller will notify the Buyer in writing as soon as possible. If notified that the ordered Product is available within an extended period, the Buyer may keep the order with a new stated delivery time or cancel the order. If the Seller notifies the Buyer that the Product cannot be ordered from the supplier, the contract is terminated by that notification, the order is cancelled, unauthorised credit or debit card transactions are cancelled immediately and, if applicable, the Seller refunds the Buyer (plus statutory interest) as soon as possible and within 7 working days at the latest.

For Product(s) not in stock and ordered on request, the Buyer must pay a deposit of at least 50% of the total purchase amount. Upon delivery, if the delivery period exceeds 30 days, the Seller must pay interest at the Seller’s commercial bank rate for three-month term savings deposits for the period from receipt of the advance payment to delivery. If the Seller does not deliver the Product(s) within the agreed period, they must return the advance payment plus default interest from receipt of the advance to payment, as soon as possible and no later than 7 days after termination of the contract. Interest is paid to the Buyer’s current account.

Prices of products and services are expressed in euros (EUR). Prices include value added tax (VAT). Product prices do not include delivery, handling or other costs of separate services. The Seller updates displayed prices daily, so prices in retail stores may differ from prices on the insignum.hr web shop.

The Seller may change prices without prior notice and may change prices for the web shop only without prior notice. The Seller may at any time set discounts, daily or weekly promotions, promotions for individual products, groups of products and/or all products, and for particular payment methods. Such benefits may be available for online purchases only and will be indicated to the Buyer before purchase.

* For web shop orders of €100.00 and above, delivery is free.
** For orders below €100.00, delivery is charged €5.00.

Delivery is made throughout Croatia, except in the case of certain islands*. Purchased products are delivered to the entrance of the residential building, whether a family house or an apartment building.

Ordered products are shipped throughout the Republic of Croatia, except for cash-on-delivery shipments to certain islands. Delivery is made to all islands if goods are prepaid; for orders marked “Cash on delivery”, delivery is made exclusively to these islands: Krk, Cres, Lošinj, Rab, Murter, Korčula, Pelješac, Vir, Pag, Hvar, Brač, Vis, Pašman and Ugljan.

Products purchased in the web shop are delivered within one to five working days, and for islands and the Dubrovnik-Neretva County area within up to seven working days. For custom-ordered items not in stock, delivery may take 5–10 business days.
Delivery is made to the entrance of the residential building; for apartment buildings the carrier is not obliged to carry products to the Buyer’s floor. Access by delivery vehicle must be unobstructed; otherwise delivery is made to the nearest point where unloading is possible. Delivery is organised by the Seller via GLS. Delivery is made on working days between 8am and 4pm.

When receiving the product, the Buyer must check for visible external damage to the shipment and refuse delivery if damage is visible. Any other damage or irregularities must be reported after receipt to webshop@insignum.hr. Upon delivery, together with the purchased product, the Buyer receives all documents accompanying the product: invoice, warranty card and proof of receipt of the shipment, which they must sign. Signing the proof of receipt means the product was taken over without visible external damage.

If the product has a hidden defect (one that could not be detected by normal inspection on receipt), which the Buyer discovers when opening the product, the Buyer has the right to unilateral termination of the contract and refund, replacement of the product, removal of the defect or a price reduction.

If the Buyer refuses to accept correct/undamaged products they previously ordered, the Seller has the right to charge the Buyer for delivery costs (handling costs).

The Buyer may pay for ordered Products and delivery according to the method chosen when ordering via the cart. The Buyer agrees that if the Seller suspects misuse of any payment method, the Seller may request additional proof of validity of that payment method and, if such proof is not provided, may suspend the transaction and cancel the order. Payment is deemed made when money is received by the delivery service, when funds are credited to the Seller’s bank account or at the time of card transaction authorisation.

Payment for Products may be made by: cash on delivery, instalments or one-time payment with credit and debit cards, or payment to the Seller’s bank account (bank transfer, e-banking, post office, bank…).
Cash on delivery:
If the Buyer chooses to pay on delivery, ordered goods may be paid only in cash upon receipt. Payment is made to the delivery service employee.

Payment by credit and debit cards (one-time and instalments):
– one-time payment with all credit cards
– instalment payment with MasterCard and Visa cards of Zagrebačka banka up to 24 instalments with minimum purchase amount of €132.72
– instalment payment with Diners credit cards up to 24 instalments without interest with minimum purchase amount of €132.72
– instalment payment with American Express credit cards up to 24 instalments without interest with minimum purchase amount of €132.72
– instalment payment with Visa and Maestro cards of PBZ Bank up to 12 instalments without interest with minimum purchase amount of €66.37

Credit card payments are processed through the CorvusPay billing system secured with Secure Socket Layer (SSL). Online billing pages are secured using SSL with 128/256-bit data encryption. SSL encryption prevents unauthorised access during transmission, enabling secure transfer of information between the user’s computer and the CorvusPay system, and vice versa.

Payment to bank account:

If the Buyer intends to pay into the Seller’s bank account (bank transfer, e-banking, post office, bank…), they must select “Payment to account” in the cart. The payment deadline is 3 days from order creation; after that deadline the Seller does not guarantee availability of ordered items. Order processing begins when payment is visible in the Seller’s account. If payment arrives after the deadline and goods are available, delivery is initiated; if goods are not available, a refund is issued. Payments may be made to the following Seller accounts:

ZABA IBAN: HR3723600001102193147

The Seller warrants that a product used in accordance with the enclosed instructions and warranty card will function properly within the warranty period. For all products for which the Seller provides a warranty, the warranty terms stated in the warranty card apply. In the event of a defect or other fault, the Seller undertakes to repair or replace the product within a reasonable time in accordance with the Obligations Act. All electrical appliances and electrical spare parts are covered by warranty if installed in an authorised service centre. The warranty card and list of authorised repairers form part of the warranty terms and are supplied with the product.

The Buyer must keep the warranty card and invoice for the entire warranty period. The warranty card is valid upon presentation of the invoice, whether or not certified by the Seller. Product malfunction resulting from improper use and/or failure to follow instructions is not covered by warranty. Service and spare parts for the purchased product are provided through authorised repairers listed in the warranty. In the event of a defective product under warranty within the warranty period, the Customer may request repair within a reasonable time; if the item is not repaired within a reasonable time, they may request another correct item; if repair or replacement is not provided within a reasonable time, they may request a price reduction or refund.
Product complaints may be submitted via the online form. The Seller will approve return of goods after a justified complaint received exclusively in writing through the online complaint form. If other goods cannot be delivered, the Seller will reimburse the Buyer for postal costs of returning the goods and any value of goods that can no longer be delivered.

Filing a complaint:

You may send complaints, compliments, suggestions and questions: by post to Insignum d.o.o., Rujanska 11, 10000 Zagreb, and by email to prigovor@insignum.hr. The Seller will respond to all complaints within 15 days of receipt.

Liability for material defects:

The Seller is liable for material defects of products in accordance with Articles 400–422 of the Obligations Act.

The Seller is liable for material defects that existed when risk passed to the Buyer, whether or not the Seller was aware of them. The Seller is also liable for material defects arising after risk passed to the Buyer if they are due to a cause that existed earlier. The Seller is not liable for minor material defects.
A material defect exists:
– if the product lacks properties necessary for its regular use or for marketing,
– if the product lacks properties necessary for the particular use for which the Buyer procured it and which was known or should have been known to the Seller,
– if the product lacks properties and qualities expressly or implicitly agreed or prescribed,
– when the Seller delivered a product that is not identical to the sample or model, unless the sample or model was shown for information only,
– if the product lacks properties that other products of the same type normally have and which the Buyer could reasonably expect given the nature of the product, especially taking into account public statements by Sellers, manufacturers and their representatives about product properties (advertisements, labelling, etc.),
– if the product was improperly assembled, provided assembly was included in fulfilment of the sales contract,
– if improper assembly results from defects in the assembly instructions.

If the subject of purchase through the insignum.hr web shop is a used (refurbished) Product, the Seller’s liability for material defects of such Product is limited to one year from delivery of the Product to the Buyer (Article 404, paragraph 3 of the Obligations Act).

We process personal data in accordance with the General Data Protection Regulation (GDPR). Detailed information on purposes, legal bases, retention periods, cookies and your rights is available in:

• Privacy Statement
• What are cookies?

For web shop orders, card payment data is processed via Corvus Pay (Corvus info d.o.o.); we do not store card numbers on our server. The insignum.hr website uses SSL when exchanging data.

For privacy requests and questions write to kontakt@insignum.hr or by post to the Seller’s registered office (Rujanska 11, 10000 Zagreb).

The Buyer has the right, without giving reasons, to unilaterally terminate a contract concluded off-premises or at a distance within fourteen (14) days. The withdrawal period starts on the day the goods that are the subject of the contract are handed over to the Buyer. The Buyer must notify the Seller in writing of withdrawal within 14 days of taking over the goods, using the withdrawal form or any other unambiguous statement expressing the will to terminate the contract.
Under the Consumer Protection Act, the Buyer must bear the direct cost of returning the goods if exercising the right of withdrawal. If the Buyer does not wish to bear these costs, they may return the goods to the nearest Insignum store. Locations of all Insignum stores are at insignum.hr/kontakt/ and in the website footer.

Under Article 77(5) of the Consumer Protection Act, the Buyer is responsible for any reduction in value of the purchased product resulting from handling, except what was necessary to establish the nature, characteristics and functionality of the goods. The Seller determines refund terms and percentage reductions due to impairment of the product. A 5% reduction applies for damaged packaging; 20% if returned without original packaging. If the product was used (except use necessary to establish nature, characteristics and functionality) or damaged, the reduction depends on assessment by an authorised service centre.
Under Article 76(3) of the Consumer Protection Act, the Buyer must return the goods in full, in original packaging and with all accessories (chargers, cables, instructions, etc.). In partial returns, any missing item will be charged at full price.

The Buyer may not withdraw from the contract for: goods made to the Buyer’s specification and clearly personalised; sealed audio or video recordings or computer programs unsealed after delivery; easily perishable goods or goods with a short shelf life; or digital content not supplied on a physical medium.

Fill in the withdrawal form here.

If an R1 invoice is issued for a legal entity, the contract cannot be cancelled under consumer withdrawal rules. Companies, trades and other legal entities may return purchased items under warranty conditions, but do not have the right to withdraw within 14 days without reason as natural persons do.

Pursuant to Article 57 of the Consumer Protection Act, the Seller informs the Buyer clearly and understandably about:

1. The main characteristics of the goods or service, to the extent appropriate to the goods or service and the medium used to convey the notice
2. Its name and registered office, telephone number and, if applicable, email address
3. If applicable, the name and registered office of the trader on whose behalf and/or for whose account it is acting
4. The geographical address of the place of business, or of the trader on whose behalf and/or for whose account it is acting, to which the consumer may address complaints, if different from the address in point 2
5. The retail price of the goods or service, or if the price cannot be calculated in advance, the method of calculating the price and, if applicable, other transport, delivery or postal costs, or that such costs cannot reasonably be calculated in advance
6. Costs of using means of distance communication for concluding the contract, if not charged at the basic rate
7. Payment terms, terms of delivery of goods or provision of services, time of delivery or provision and, if any, means of handling consumer complaints
8. Conditions, deadlines and procedure for exercising the right of withdrawal, and the withdrawal form under Article 74(1) of this Act, where that right exists
9. That the consumer must bear the cost of returning goods when exercising the right of withdrawal under Article 72 of this Act, or, for distance contracts, the cost of returning goods that by their nature cannot be returned by post in the usual way
10. That if the consumer exercises the right of withdrawal under Article 72 after making a request under Article 64 or 70, they must pay the trader a reasonable part of the price under Article 77(7)
11. That the consumer cannot exercise the right of withdrawal under Article 72 where excluded under Article 79, or the circumstances in which the consumer loses that right
12. Existence of liability for material defects
13. After-sales services or assistance offered to the consumer and conditions of use, if provided by the trader, and any guarantees issued with the goods or service
14. Existence of applicable codes of conduct for the trader as defined in Article 5(18) of this Act
15. Duration of the contract if concluded for a fixed term, or terms of cancellation or termination of a contract of indefinite duration or one that renews automatically
16. Minimum period for which the consumer is bound by the contract, if any
17. Any deposit or other financial guarantee the consumer must pay or provide at the trader’s request, and terms of payment or provision
18. If applicable, functionality of digital content, including necessary technical protection measures
19. If applicable, interoperability of digital content with hardware or software the trader knows or should know about
20. Out-of-court dispute resolution mechanisms and/or compensation schemes, and how the consumer may use them.

All notices required under the Consumer Protection Act are contained in these General Terms.

The Seller will provide the Buyer as a consumer with confirmation of the pre-contractual notice in writing or another durable medium available to the consumer as soon as possible and no later than at delivery of the product or start of the service. By accepting these General Terms, the Buyer agrees that confirmation may be sent by email to the address provided when ordering or by post to the home address together with delivery of the Product and invoice.

Under EU regulation of 15 February 2016, online shopping disputes across the EU may be resolved through the ODR platform, which you can access here.

If you have a problem with something you bought online within the EU, you may submit your complaint via the link above to seek an out-of-court settlement.

The platform can be used by consumers and traders, and complaints may be filed in any of the 23 official EU languages. The system may be used only for complaints relating to online purchases.

WEEE waste collection:

Insignum d.o.o., as a seller who sells electrical and electronic equipment directly to household or non-household customers using distance communication (via internet, telephone, catalogue, etc.), must inform Buyers on its website of the location where free collection of WEEE waste generated by that equipment is available, which must be in the local government unit where the customer resides.

Electronic devices contain several hundred different materials. Some can be reused after the device’s useful life, but many substances can be very harmful if WEEE waste is handled improperly. To prevent harmful effects on the environment and human health, WEEE waste must be collected separately from municipal waste and disposed of in an environmentally sound manner.

You may leave WEEE waste at our retail stores; locations are here. In the Republic of Croatia there is an organised free WEEE disposal system through authorised collectors. Call the toll-free number 0800 444 110 or send an SMS to 098 444 110 and, if you have more than 30 kg of WEEE waste, an authorised collector will pick it up at your address. You can obtain all necessary information on the same number. You may also submit an order on www.eeotpad.com and by email to prijava@eeotpad.com.

You may also take WEEE waste to your nearest recycling centre.

Types of WEEE waste:

All electrical and electronic devices and equipment that must be disposed of separately from other waste are labelled with the WEEE mark (Waste Electrical and Electronic Equipment). By handing discarded devices only to authorised collectors, you ensure proper disposal and help protect the environment and human health.

WEEE waste can be categorised into 10 main device groups:
Large household appliances
Small household appliances
Information technology (IT) and telecommunications equipment
Consumer equipment
Lighting equipment
Electrical and electronic tools (except large fixed industrial tools)
Toys, leisure and sports equipment
Medical devices
Monitoring and control instruments
Automatic dispensers
With a little effort together we can do a lot for our environment!

01. Large household appliances

Large cooling appliances
Refrigerators
Freezers
Other large appliances for refrigeration, preservation and storage of food
Washing machines
Tumble dryers
Dishwashers
Kitchen stoves
Electric cookers
Electric hobs
Microwave ovens
Other large appliances for cooking and food preparation
Electric heating appliances
Electric radiators
Other large appliances for heating rooms, beds and seating furniture
Electric fans
Air conditioners
Other appliances for ventilation, extraction and air conditioning

02. Small household appliances

Vacuum cleaners
Carpet cleaning appliances
Other cleaning appliances
Appliances for sewing, knitting, weaving and other fabric processing
Irons and other appliances for ironing, steaming and other garment care
Toasters
Fryers
Grinders, coffee machines and appliances for opening and closing containers and packaging
Electric knives
Appliances for hair cutting, drying, brushing, shaving, massage and other body care
Clocks, watches and equipment for measuring, indicating or recording time
Scales

03. Information technology (IT) and telecommunications equipment

Central data processing:
Mainframe computers
Minicomputers
Personal computing equipment:
Personal computers (CPU, mouse, display and keyboard)
Laptop computers (CPU, mouse, display and keyboard)
Notebook computers
Notepad computers
Printers
Copying equipment
Electric and electronic typewriters
Pocket and desktop calculators and other products or equipment for collecting, storing, processing, presenting or communicating data
User terminals and systems
Fax machines
Telex machines
Telephones
Card and coin telephones
Cordless telephones
Mobile telephones
Answering systems
Other telecommunications products or equipment for transmitting sound, images or other data

04. Consumer equipment

Radios
Television sets
Video cameras
Video recorders
Hi-fi equipment
Audio amplifiers
Musical instruments
Other products or equipment for recording or reproducing sound or images, including signals or other technologies other than telecommunications for distribution of sound and image

05. Lighting equipment

Luminaires for fluorescent lamps, other than household lamps
Straight fluorescent lamps
Compact fluorescent lamps
Discharge lamps, including high-pressure sodium vapour and metal vapour lamps
Low-pressure sodium lamps
Other lighting equipment or equipment for spreading or controlling light, other than filament lamps

06. Electrical and electronic tools (except large fixed industrial tools)

Drills
Saws
Sewing machines
Equipment for turning, milling, grinding, polishing, sawing, cutting, shearing, drilling, punching, folding, bending or similar processing of wood, metal and other materials
Tools for nailing, stapling, screwing or removing rivets, nails or screws or similar purposes
Tools for welding, soldering and similar use
Equipment for spraying, spreading, atomising and other processing of liquid or gaseous substances
Tools for lawn mowing or other garden work

07. Toys, leisure and sports equipment

Electric trains or car sets
Hand-held video game consoles
Video games
Computers for cycling, diving, running, rowing, etc.
Sports equipment with electrical or electronic components
Coin-operated slot machines

08. Medical devices (except implanted devices)

Radiotherapy equipment
Cardiology equipment
Dialysis equipment
Pulmonary ventilators
Nuclear medicine equipment
Laboratory equipment for in vitro diagnosis
Analysers
Freezers
Fertility testing equipment
Other equipment for detecting, preventing, monitoring, treating, alleviating disease, injury or disability

09. Monitoring and control instruments

Smoke detectors
Heating regulators
Thermostats
Measuring, weighing or adjusting equipment for household or laboratory use
Other monitoring and control instruments used in industrial installations (e.g. on control panels)

10. Automatic dispensers

Automatic dispensers for hot drinks
Automatic dispensers for hot and cold bottles or cans
Automatic dispensers for solid products
Automatic money dispensers
All dispensers that automatically dispense any kind of product.