General terms and conditions

This document is not registered (not subsequently accessible), is concluded exclusively in electronic form, does not qualify as a written contract, is written in english, does not refer to a code of conduct. In case of any questions related to the operation of the website, the ordering and delivery process, we are at your disposal at the given contact details.

The scope of these GTC covers the legal relations on the Service Provider’s website (https://silvermoon.hu) and its subdomains.
These GTC are continuously available on the following website: https://en.silvermoon.hu/gtc

List the details of the service provider

Name: Ext-Ton Hungary Ltd.
Headquarters: Hungary, H-6000 Kecskemét, Madár street 21.
Company registration number: 03 09 129505
Tax number: 14008056-1-03
Telephone number: + 36 (30) 812-6747
E-mail: mundrak.renata@silvermoon.hu
Website: https://en.silvermoon.hu
Bank account number: 10102718-09128800-01003000

Hosting provider information

Name: Tárhelypark Ltd.
Headquarters: Hungary, H-1132 Budapest, Victor Hugo str. 18-22
Availability: +36 (1) 700 4140, info@tarhelypark.hu
Website: https://tarhelypark.hu

Concepts

Parties: Seller and Buyer together
Consumer: a natural person acting outside his/her trade, profession or business
Consumer contract: a contract in which one of the subjects qualifies as a consumer
Website: this website, which is used to conclude the contract
Contract: A contract of sale concluded between the Seller and the Buyer using the Website and electronic mail
A device that allows communication between absentees: a device capable of making a contractual declaration in the absence of the parties with a view to concluding a contract. Such means include, in particular, the addressee or unaddressed form, the standard letter, the advertisement published in the press product with the order form, the catalog, the telephone, the fax and the means of providing Internet access.
Contract between absentees: a consumer contract which is concluded in the context of a distance selling system organized for the provision of a contract product or service without the simultaneous physical presence of the parties, by the parties using only a means of communication in absentia for the purpose of concluding the contract
Product: all movable movable property included in the offer of the Website and intended for sale on the Website, which is the subject of the Contract
Undertaking: a person acting in the course of his/her profession, self-employment or business
Customer/You: the person concluding the contract making a purchase offer through the Website
Warranty: In the case of contracts concluded between a consumer and a business (hereinafter: consumer contract) in accordance with the Civil Code,

1. a guarantee given for the performance of the contract, which the undertaking voluntarily undertakes for the proper performance of the contract in addition to or in the absence of its legal obligation, and
2. statutory warranty

 

Basic provisions

Relevant legislation

The provisions of Hungarian law shall apply to the Contract, and in particular the following legal acts shall apply:
• 1997. évi CLV. Consumer Protection Act
• 2001. évi CVIII. Act on Certain Issues in Electronic Commerce Services and Information Society Services
• 2013. évi V. Act on the Civil Code
• 45/2014. (II.26.) Government Decree on the detailed rules of contracts between a consumer and a business
• 1999. évi LXXVI. Copyright Act
• 2011. évi CXX. Act on the Right to Information Self-Determination and Freedom of Information
• REGULATION (EU) No 2018/302 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL (February 28, 2018.) on taking action in the internal market against unjustified territorial restrictions and other forms of discrimination based on the nationality, place of residence or place of establishment of the buyer and Regulations (EC) No 2006/2004 and (EU) 2017/2394 and 2009/22 / EC amending this Directive
• REGULATION (EU) 2016/679 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 27 April 2016 on the protection of individuals with regard to the processing of personal data and on the free movement of such data, and repealing Regulation (EC) No 95/46 data protection regulation)
• 37/2017. (XII. 27.) of the MNB on the requirements for professional abilities and competencies of natural persons providing investment advice or information on financial instruments, investment services or ancillary services to clients
• CXXXVIII of 2007 Act on Investment Firms and Commodity Exchange Service Providers and the Rules on the Activities They May Carry Out

Scope and acceptance of the GTC

The content of the contract concluded between us – in addition to the provisions of the relevant binding legal regulations – is determined by these General Terms and Conditions (hereinafter: GTC). Accordingly, these GTC contain the rights and obligations of you and us, the conditions of concluding the contract, the terms of performance, the conditions of delivery and payment, the rules of liability, and the conditions of exercising the right of withdrawal.

The technical information required for the use of the Website, which is not included in these GTC, is provided by other information available on the Website.
You must familiarize yourself with the provisions of these GTC before finalizing your order.

Regisztráció / Vásárlás menete

E-invoicing

Our company is listed in the 2007 CXXVII. Section 175 of the Act. uses an electric bill in accordance with By accepting these GTC, you give your consent to the use of the electronic invoice.

The range of products and services that can be purchased

The range of products that can be purchased includes the range of products found on the website. These:

• Services (You can find out more about these at https://en.silvermoon.hu/services/)
• Online trainings (The currently available list is available at https://en.silvermoon.hu/trainings/online-trainings/)
• Offline trainings, workshops (The currently available list is available at https://en.silvermoon.hu/trainings/offline-trainings/)
• Downloadable electronic books, other documents (You can get more information about these at https://en.silvermoon.hu/downloads/)

Prices

The prices are in HUF, the final price to be paid is shown on the website, so there is no additional tax liability. Prices are for information only. The possibility that the Seller may change the prices for business policy reasons cannot be ruled out. Price changes do not apply to contracts already concluded. If the Seller has indicated the price incorrectly, in the case of contracts already concluded, it shall proceed on the basis of the “Procedure incorrect price” clause of the GTC.

Prices are in HUF. The gross prices displayed in the store have the corresponding VAT content. Prices are for information only. The possibility that the Seller may change the prices for business policy reasons cannot be ruled out. Price changes do not apply to contracts already concluded. If the Seller has indicated the price incorrectly, in the case of contracts already concluded, it shall proceed on the basis of the “Procedure incorrect price” clause of the GTC.

Procedure in case of incorrect price

The following are considered to be obviously incorrectly quoted prices:

• 0 price
• the price reduced by the discount but incorrectly indicating the discount (eg in the case of a product with a price of HUF 1,000, the product offered for HUF 500 with the 20% discount).
  In the event of an incorrect price, the Seller offers the option to purchase the product at a fair price, in possession of which the Buyer may decide to order the product at a fair price or cancel the order without any adverse legal consequences.

Subject of the contract

Pursuant to this contract, the User entrusts the Service Provider with the provision of the Service. The subject of the contract is, on the one hand, the materials available through the Service at the time of concluding the contract, as well as the materials prepared later by the Service Provider and published through the website.

The sole provider of the Service is Silver Moon, who expressly accepts the order. In addition to the above Service, the Service Provider may publish individual offers on the website for the provision of other services related to financial advice and training (personal trainings, consulting opportunities, advice, etc.) and for the transfer of copies of publications in printed or electronic format (hereinafter: Other services ”). The contract for these offers is concluded between the Contracting Parties by implication, by pressing the order button with the content and price according to the data sheet of the Other Service.

Establishment of the contract

The present contract is concluded between the Service Provider and the User – hereinafter collectively referred to as the “Contracting Parties” – by the User’s implicit conduct, by filling in the registration form on the website https://silvermoon.hu or its subpage and by pressing the order button. By accepting this Agreement, the User declares that he/she is not restricted in his/her capacity to act or to contract. The data provided by the visitor during the registration must be complete and true.
The visitor declares that the information provided is complete and true. By accepting this Agreement, the User expressly consents to the Service Provider commencing contractual performance immediately after the conclusion of the Agreement.

Confirmation of registration

The Service Provider will immediately examine the applications received for the use of the Service and will contact the User by telephone or e-mail within 48 hours. The Service Provider reserves the right to reject any registration received without giving any reason. Payment of the commission fee In certain cases (registration for training, purchase of Products), users of the Silver Moon Service are required to provide valid credit card details.
The applicant declares that the credit card details provided are valid and that the credit card provided is legally valid. Until full payment for the requested Service has been made, the Service is the property of Silver Moon. No pledge, transfer by way of security, processing, or assignment of the Service will be permitted without the consent of Silver Moon prior to the transfer of ownership. All consumers have a 14-day right of withdrawal. A consumer is any natural person who enters into a legal transaction for a purpose that is not related to his/her entrepreneurial or self-employed activity. The right of withdrawal and its exercise are governed by the following rules. For further questions regarding withdrawal, the buyer may contact Silver Moon Customer Service.

Registration/purchase

By registering/purchasing on the website, the User declares that he/she has read and accepted the terms and conditions of these GTC and the Privacy Policy published on the website and consents to the processing of data.

When registering/purchasing, the User is obliged to provide his/her real data. In the event of false data or data that can be linked to another person provided during registration/purchase, the resulting electronic contract shall be null and void. The Service Provider excludes its liability if the User uses its services in the name of another person, using the data of another person.

The Service Provider shall not be liable for any delivery delays or other problems or errors resulting from incorrect and/or inaccurate data provided by the User.

If the User transfers the participation fee (price of the Product) to the Service Provider after registration for any program, the participation in the program cannot be cancelled afterwards, can be modified up to once or can be transferred up to once to a third party after consultation with the Service Provider. After registration and payment, the Service Provider shall ensure the Customer’s participation in the programme, even if the Customer does not attend. In this case, the Service Provider will not refund the participation fee.

How to order

After registration, the user logs in to the website and/or can start shopping without registration. The User sets the quantity of the product or products to be purchased, enters personal data and selects the payment method.

Payment methods

Payment can be made by credit card via the Barion website or by prepayment. Silver Moon reserves the right to accept only certain payment methods in individual cases or depending on the delivery method chosen by the customer. Unfortunately, we are unable to accept payment by cash or cheque and cannot be held responsible for any loss of cash or cheque.

Payment by credit card

with Barion

Visa and Mastercard cards are accepted for payment. In case of withdrawal from the purchase, the amount already paid will be refunded to you. If your credit card is not covered, we reserve the right to charge you the costs of a payment reminder request.

Online credit card payments are made through the Barion system. Your credit card details are not passed to the merchant. The service provider Barion Payment Zrt. is an institution supervised by the National Bank of Hungary, licence number H-EN-I-1064/2013.

Acceptance point details:
Acceptance point name: Silver Moon
Public identifier (POSGuid): 56310a1f-11d7-4a02-9e6b-075893bf9d45

Payment by cash on delivery

No payment by cash on delivery is possible at the moment. Silver Moon reserves the right to make changes.

Payment by bank transfer

When entering the details for the bank transfer, please make sure that you have entered the order number or customer number when filling in the transfer order. Please transfer the invoice amount to the following account:
Account holder.
Account Manager: Budapest Bank
Bank Account Number: 10102718-09128800-01003000
Note: Number / Request for Payment Number
The delivery of the goods will be started when the order value is received by Silver Moon.

Correcting data entry errors

Before completing the ordering process, the user can always go back to the previous phase, where he can correct the data entered, and also correct the order placed by e-mail.

The User will receive an e-mail confirmation after sending the order. If this confirmation is not received by the User within a reasonable period of time, depending on the nature of the service, but not later than 48 hours after the User’s order has been sent, the User shall be released from any obligation to make an offer or to enter into a contract. The order and its confirmation shall be deemed to have been received by the Service Provider or the User when it becomes available to the latter. The Service Provider shall not be liable for confirmation if the confirmation is not received in time because the User has entered an incorrect e-mail address during registration or because the storage space of his account is full and he is unable to receive messages.

Order processing and fulfilment

Orders are processed during opening hours (10-18h on working days, and during the hours and in the manner specified by the Service Provider on holidays and public holidays. It is also possible to place an order outside the hours indicated as the time of processing the order, if it is placed after the end of working hours, it will be processed on the following day. In all cases, the Service Provider will confirm electronically when it can fulfil your order.

As a general rule, the delivery deadline is 5 working days from the date of confirmation. Offline trainings and workshops will be fulfilled at the time specified on the website, in case of individual consultations at a time mutually agreed between the Customer and the Service Provider.

If the Service Provider fails to fulfil its contractual obligations because the product specified in the contract is not available, it shall inform the User thereof without delay and refund the amount paid by the User without delay, but no later than within 30 days.

Right of withdrawal

In accordance with the provisions of Directive 2011/83/EU of the European Parliament and of the Council and Government Decree 45/2014 (26.II.26.) on the detailed rules of contracts between consumers and businesses, the User may withdraw from the contract within 14 days of receipt of the ordered product without giving any reason, and return the ordered product. In the absence of this information, the User is entitled to exercise his right of withdrawal until 1 year has elapsed.

The period for exercising the right of withdrawal shall expire 14 days after the day on which the User or a third party other than the carrier and indicated by the User takes delivery of the product.
The cost of returning the product must be borne by the consumer, the company has not undertaken to bear this cost.
In the event of the exercise of the right of withdrawal, the User shall not bear any costs other than the cost of returning the product, but the Service Provider may claim compensation for material damage resulting from improper use.

The User shall not have the right of withdrawal in the case of a product which is not a prefabricated product, which has been manufactured on the instructions or at the express request of the consumer, or a product which is clearly personalised for the consumer.

Nor may the consumer exercise his right of withdrawal:

• for the sale of a copy of a sound or video recording or computer software in sealed packaging, if the consumer has opened the packaging after delivery;
• for digital content provided on a non-tangible medium, if the business has begun performance with the consumer’s express prior consent and the consumer has declared at the same time that he/she has given his/her consent that he/she acknowledges that he/she loses the right of withdrawal after the performance has begun (e-book, information products, videos).

The Service Provider shall reimburse the amount paid, including the delivery charges, to the Consumer without undue delay, but within 14 days at the latest, after the return of the product in accordance with the above legislation.

The refund will be made using the same payment method as the one used for the original transaction, unless the User expressly agrees to another payment method; the User will not incur any additional costs as a result of using this refund method.
The User must return the goods or drop them off at the Service Provider’s address without undue delay and in any case no later than 14 days after sending the notice of withdrawal from the contract to the Service Provider.
The User shall be deemed to have complied with the time limit if he returns or surrenders the product(s) before the expiry of the 14-day period.
The consumer bears only the direct cost of returning the product, unless the business has agreed to bear this cost.
The consumer may be held liable for depreciation of the goods only if it is due to handling other than that necessary to determine the nature, properties and functioning of the goods.

The Supplier may withhold the refund until the goods(s) have been returned or the User has provided proof that they have been returned, whichever is the earlier.
If the User wishes to exercise his right of withdrawal, he may do so in writing or by telephone to one of the Service Provider’s contact details. In the case of written notification by post, the date of posting will be taken into account, and in the case of notification by telephone, the date of notification by telephone will be taken into account. In the case of notification by post, the Service Provider will accept notification as a registered letter or parcel. The User may return the ordered product to the Service Provider by post or courier service.

The User must pay particular attention to the proper use of the product, as the User is liable for any damages resulting from improper use! Within fourteen days after the return of the product, the Service Provider will refund the purchase price of the product, including the shipping costs, to the bank account provided by the User.

Government Decree 45/2014 (26.II.26.) on the detailed rules of contracts between consumers and businesses is available here.
Directive 2011/83/EU of the European Parliament and of the Council is available here.
Users may also contact the Service Provider with other complaints using the contact details provided in this Policy.

The right of withdrawal does not apply to a business, i.e. a person acting in the course of his/her profession, self-employment or business activity.

Product Warranty

In which cases can the User exercise the right to a product warranty?

In the event of a defect in a movable item (product), the User may, at his/her option, claim under either the accessories warranty or the product warranty.

What rights does the User have under a product warranty claim?

As a product warranty claim, the User may only request the repair or replacement of the defective product.

In what cases is the product defective?

A product is defective if it does not meet the quality requirements in force when it was placed on the market or if it does not have the characteristics described by the manufacturer.

What is the deadline for the User to claim under the product warranty?

The User has two years from the date on which the product was placed on the market by the manufacturer to make a product warranty claim. Once this period has expired, he loses this right.

Against whom and under what other conditions can the User assert a product warranty claim?

You can only exercise your product warranty rights against the manufacturer or distributor of the movable good. The User must prove that the product is defective in order to assert a product warranty claim.

In which cases is the manufacturer (distributor) exempted from his product warranty obligation?

The manufacturer (distributor) is only exempted from its product warranty obligation if it can prove that:

• the product was not manufactured or placed on the market in the course of his business, or
• the defect was not recognisable in the state of science and technology at the time of placing on the market, or
• the defect in the product results from the application of a legal or regulatory provision.

The manufacturer (distributor) need only prove one ground for exemption.

Please note that you cannot claim both a warranty for accessories and a product warranty for the same defect at the same time. However, if your product warranty claim is successful, you may pursue your accessories warranty claim against the manufacturer for the replaced product or repaired part.

Mixed Provisions

The Service Provider is entitled to use an intermediary to fulfil its obligations. The Service Provider shall not be liable for any unlawful conduct of the Service Provider.
If any part of these Terms and Conditions becomes invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining parts shall not be affected.
If the Service Provider fails to exercise any right under these Terms and Conditions, the failure to exercise such right shall not be deemed a waiver of such right. No waiver of any right shall be valid unless expressly stated in writing. The fact that the Service Provider does not strictly adhere to a material term or condition of the Terms and Conditions on one occasion does not mean that it waives its right to insist on strict adherence to that term or condition in the future.
The Service Provider and the User shall attempt to settle their disputes amicably.

Complaints handling policy

The service on our website aims to fulfil all orders to the customer’s full satisfaction and with the quality required. However, if the User has a complaint about the contract or its performance, he/she may send it to the above e-mail address or by letter.
The Service Provider will immediately investigate the oral complaint and remedy it as necessary. If the customer does not agree with the handling of the complaint, the Service Provider shall immediately take a record of the complaint and its position and shall provide the customer with a copy of the record. If it is not possible to investigate the complaint immediately, the Service Provider shall take a record of the complaint and give a copy thereof to the customer.

The Service Provider shall reply to the written complaint in writing within 30 days. The reasons for rejecting the complaint shall be given. It shall keep a copy of the reply for 3 years and present it to the supervisory authorities at their request.
You may also submit a complaint to the National Consumer Protection Authority:
National Consumer Protection Authority
Address: H-1088 Budapest, József krt. 6.

Postal address: 1428 Budapest, PF: 20.
Central telephone number: +36 1 459 4800
Fax number: +36 1 210 4677
E-mail: nfh@nfh.hu
In case of a complaint, you can contact the following conciliation body:
Bács-Kiskun Megyei Békéltető Testület
Address: 6000 Kecskemét, Árpád krt. 4.
Address for correspondence:
Bács-Kiskun County Conciliation Board operated by the Bács-Kiskun Chamber of Commerce and Industry
6001 Kecskemét Pf. 228.
Tel.: (+36) 76 501 525, 501 532
Fax: (+36) 76 501 538
Mobil: (+36) 70 938 4765
E-mail: bekeltetes@bacsbekeltetes.hu
Website: www.bacsbekeltetes.hu
A list of Hungarian conciliation boards can be found here: https://bekeltetes.hu/udvozlo

Copyright

Pursuant to Section 1 (1) of Act LXXVI of 1999 on Copyright (hereinafter referred to as “the Copyright Act”), the website is a copyright work, and therefore all parts of it are protected by copyright. The Copyright Act (Szjt. Pursuant to Article 16 (1) of the Copyright Act, the unauthorised use of the graphic and software solutions, computer program creations contained on the website, or the use of any application that may be used to modify the website or any part thereof, is prohibited.

Data protection

The privacy statement of the website is available at: https://en.silvermoon.hu/data-protection