Terms of service

Terms of Service

14.3.2025

Contact Information:

Black Moda Ltd (Business ID 1034650-7)
Haikanvuori 5 C 1
33960 Pirkkala
FINLAND
posti@blackmoda.fi
Tel. +358 (0)40 538 4864

General information about the online store

Ratia.com is an online store owned and managed by Black Moda Ltd (Business ID 1034650-7) that sells Ratia brand products. Black Moda Ltd is a Finnish-owned textile company. We manufacture and sell products to adult individuals and companies in Finland and EU countries. The products are designed to fit and be used in the European Union, outside of which product liability does not apply.

Ordering

Ordering takes place through the Ratia.com online store. You can place an order either as a registered customer of the online store, or without registering. Orders are confirmed by email to the email address provided by the customer. The order confirmation shows the content of the order, the purchase price and delivery costs. The customer agrees to these terms and conditions with each order.

Black Moda Ltd does not guarantee the availability of all products in the Ratia.com online store in all situations. We reserve the right to cancel your order in whole or partly if the ordered product is out of stock. If the ordered product cannot be delivered, we will automatically refund the purchase price of the product and notify you of this to the email address provided when ordering.

Prices

All prices in the online store are shown in local currency. Product prices include VAT. We reserve the right to change prices and delivery costs. We reserve the right to cancel an order if there is a clear price error. A price error refers to a situation where the stated price of a product differs significantly from its actual value. For example, if the product price is marked as 0.00 euros or the price information is missing completely, this is an obvious error. In such a case, it is reasonable to assume that the customer understands the price error.

Payment Methods

In our online store, you can choose to pay by online banking, debit or credit card, mobile payment, PayPal, Apple Pay, Google Pay or Klarna invoice. Depending on the payment method, the payment service provider is Paytrail, PayPal, Klarna or Shopify Payments/Stripe. The payment service provider appears as the recipient of the payment on the bank statement or card invoice, and forwards the payment to the merchant.

In cases of complaints related to payments, we ask you to primarily contact the selected payment service provider. In cases of product complaints, we ask you to primarily contact the customer service of the Ratia.com online store here or posti@blackmoda.fi

Paytrail

Paytrail Ltd (2122839-7), the payment service provider, works in cooperation with Finnish banks and credit institutions. Paytrail Ltd appears as the recipient of the payment on the bank statement or card invoice and forwards the payment to the merchant. Paytrail Ltd has a payment institution license.


Paytrail contact information:

Paytrail Ltd
Business ID: 2122839-7
Innova 2
Lutakonaukio 7
40100 Jyväskylä
FINLAND
Phone: +358 (0)20 718 1830
paytrail.com/en/consumer/information-about-paying

Paytrail payment service forwards your payment to the merchant. Paytrail Ltd appears as the recipient of the payment on your bank statement or credit card invoice. In the event of a product return, we will refund the money to your account via Paytrail.

The online store acts as a marketer of products and services and as a supplier of products to the customer. The online store takes care of the legal and other obligations related to the transaction.

Paytrail collects the IP address, payment method and payment time in connection with the payment transaction, see Paytrail's privacy policy.


Online Bank Payments (Paytrail)

You have the payment options of all Finnish banks at your disposal, either based on the eBanking interfaces offered by the banks or on open banking interfaces. You can pay with the payment buttons of Aktia, Danske Bank, Nordea, Oma Säästöpankki, Osuuspankki, POP-pankki, Säästöpankki, S-pankki and Ålandsbanken. Paytrail Ltd appears as the payee on your bank statement, which forwards your payment to the online merchant. From the online store, you will be directed directly to your own bank to make the payment securely.

Debit and Credit Card Payments (Paytrail)

You can pay in the online store with Visa, Visa Debit, Mastercard, Debit Mastercard and American Express cards. The online store uses the international Verified by Visa, Mastercard SecureCode and American Express SafeKey authentication services.

Paytrail Ltd appears as the recipient of the payment on the card invoice and forwards the customer's card payment directly to the merchant. Card payments are made using a securely protected payment form, and payment card information is not stored in the online store's systems.


Mobile Payment

The mobile payment methods MobilePay and Siirto are services that operate in the application, allowing you to pay for online purchases as a bank transfer from your account or as a card payment from your card by accepting the payment in the application in question. Apple Pay is a service that operates on an Apple device, allowing you to pay for purchases with a payment card connected to the device.

MOBILEPAY
The terms and conditions are available on the MobilePay website.

SIIRTO
OP Terms and Conditions applicable to Siirto payments: OP website
Nordea Terms and Conditions applicable to Siirto payments: Nordea Terms

APPLE PAY
The terms and conditions are available on the Apple Pay website.


Express Checkout (Shopify Payments/Stripe)

With Express checkout, you can choose the most common credit card payments, Apple Pay and Google Pay, as payment methods. The service is provided by Shopify Payments/Stripe.


PayPal

If you choose PayPal as payment method, you will be redirected directly to PayPal's website at the end of the order to complete the payment transaction. If you are a new PayPal user, you can create your own PayPal account. If you made a payment via PayPal and return the products, we will refund the money directly to your PayPal account.

Read more: paypal.com

Klarna Invoice

Buy now, pay later! The payment period is 30 days. You do not need to provide your payment card details and you will receive instructions from Klarna via email on how to pay the invoice. You can also view your invoices in the Klarna app.

Read more about Klarna's pay later payment method.


Klarna Flexible Installment Payment

When you want to pay for your purchase in installments, you can choose Klarna's flexible installment payment at checkout.

When you choose flexible installment payment, you decide how often you want to pay for your purchase (starting from 1/100 of the remaining amount, but with a minimum of €5.00 /month). This means that

• You will receive the products you ordered before you pay
• You never have to give your payment card details
• You can pay the remaining amount at any time

When you pay at least 1/100 of the monthly payment (but always at least €5.00/month), the loan interest rate for flexible installment payment is 18.90 %, and no other fees are charged on the loan. The actual annual interest rate and the total cost of the loan are indicated at the checkout of the online store. You can also switch to flexible installment payment later. When you choose flexible installment payment, Klarna will send you a monthly invoice at the end of each month, stating the minimum amount to be paid.

Read more about Klarna's flexible installment payment.
Read more about Klarna's general credit agreement terms and conditions.

Delivery Time

All of our web shop orders are shipped from our warehouse in Vantaa, Finland. We ship orders from Monday till Friday. We generally process orders no later than the next business day after placing the order. Orders arrive in Finland within approx. 2-4 business days.

The delivery time to Europe is usually 3-5 business days. Public holidays, etc. may affect the delivery time. We will inform you of any unusual delivery times on our social media channels, in our newsletter, and on our online store pages.

Please note that Posti and Matkahuolto (in Finland) only store shipments for 7 days (weekends and holidays are included in this seven days). We therefore ask you to always make sure before ordering, that the phone number provided with the order is correct, so that you will receive a notification on your phone when the package is available for collection.

We deliver the ordered products in one shipment. Black Moda Ltd does not guarantee the availability of Ratia.com online store products in all situations. If the ordered product cannot be delivered, we will automatically refund the purchase price of the product and notify you of this to the email address provided when ordering.

Shipping to Finland

POSTI

Posti Pikkupaketti 3,90€
Small orders delivered straight to your mailbox with tracking number, 3-5 business days from the date of dispatch. If the order doesn't fit through your mailbox, the mail carrier can leave the package at the recipient's door.

Posti Kotipaketti 10,90€
The package is delivered directly to your door. You will be contacted within 1-3 business days after shipment to agree on a delivery time.

MATKAHUOLTO

Lähellä-paketti 5,90€
The package will be delivered to the Matkahuolto service point or parcel locker of your choice, 1-3 business days from the date of dispatch.

Shipping to EU

All of our online store orders are shipped from our warehouse in Vantaa, Finland. We ship orders from Monday till Friday. We generally process orders no later than the next business day after placing the order.

The delivery time to Europe is usually 3-5 business days. Public holidays, etc. may affect the delivery time. We will inform you of any unusual delivery times on our social media channels, in our newsletter, and on our online store pages.

We deliver orders to EU countries as a GLS EuroBusiness package (read more). You will receive an email with a tracking number when we have shipped your package. Depending on the country, delivery takes 3-5 business days. In most European countries, you can also choose your preferred delivery point from the extensive GLS network once the package has been dispatched.

The delivery cost to Europe is €14.90, including shipping, VAT, and packaging costs.

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We do not ship orders to the United Kingdom.

Track your Order

You will receive a tracking number with the “Your order is on its way” email, which you can use to track your package.

If for some reason you did not receive a tracking number by email, you can request it using the contact form here or posti@blackmoda.fi. All of our shipping options are traceable, which means the risk of loss is very low.

We are not responsible for delays in deliveries due to the actions of the shipping company or incorrect deliveries by the shipping company.

Notice of Arrival 

Finland

By default, you will be notified by text message when your package has arrived at the carrier's parcel locker or pick-up point. If you do not receive a text message within normal delivery times, you should also check the email address provided when ordering. If your phone number was incorrect, the carrier may also send an arrival notification to your email address. We are not responsible for incorrectly entered phone numbers and the resulting loss of the arrival notification.

EU Countries

For orders delivered to Europe you will receive a message from GLS when your parcel is arriving or ready for pick up.

Uncollected Orders

Uncollected order is not the same as returning an order. If an order is returned to us uncollected, we will automatically refund the money for the ordered products, excluding shipping costs. Therefore, we do not refund shipping costs for uncollected orders. In addition, we will deduct the normal return processing fee (Finland €5.90 / EU Countries €10.00) from the refund amount.

If the order was placed without shipping costs (you have used a coupon that gives you free shipping costs or the order value has exceeded €120 in Finland, etc. comparable situation), we will deduct the return processing fee and the normal shipping fee from the refund amount, as compensation for the costs caused for us for the uncollected shipment. The amount of the delivery fee to be deducted depends on the country of delivery and shipping method used.

We do not resend uncollected orders. If you still want to receive the products you ordered, you can place a new order through our online store. An incorrectly provided phone number and/or email address may result in the customer not receiving a notice of the arrival of the package, and for this reason the order will be returned to us uncollected. Black Moda Ltd / Ratia.com is entitled to charge an uncollected shipment fee ​​also in case that the notification of arrival has not been received due to incorrect information provided by the customer or for other reasons beyond the control of the company.

When ordering, please note the storage times of Posti and Matkahuolto in Finland (7 days at Posti and Matkahuolto service points and parcel lockers) and ensure that you are there to collect your order. Black Moda Ltd is not responsible for orders that are not collected due to travel or other occasions.

Returns

It is important to us that you are satisfied with the products you have ordered. Our online store orders have a 30-day return policy from the date of receiving the products. The right of return also applies to discounted items purchased from the online store. Please try on underwear over your own underwear.

The returnable item must be in sellable condition – clean, unwashed, and unused, with all tags attached. If we receive dirty or otherwise non-sellable products, we reserve the right to deduct a €10.00 cleaning fee from the refund amount. We also reserve the right to reject a return altogether if the product no longer corresponds to a new, unused product.

Non-Returnable Items

For hygienic reasons our socks and pantyhose can not be returned after the package has been opened and the garment has been tried on. This is according to EU’s Consumer Protection law (chapter 6 a, § 16).  However, the 30-day return policy applies to unopened packages of pantyhose and socks.

Return Fee

For domestic orders in Finland, we charge a return shipping and handling fee of €5.90. You will receive a return label with your delivery, which you can use to send your return to us free of charge, making it easy for you to make the return. The return shipping and handling fee of €5.90 will be automatically deducted from the refund amount when we process your return.

For orders delivered to Europe, we charge a return shipping and handling fee of €10.00, which will be automatically deducted from the refund amount.


Returns from EU

When returning products from Europe, please first contact our customer Service here or posti@blackmoda.fi, and we will send you more detailed return instructions and a return address label. For orders delivered to Europe, we charge a return shipping and handling fee of €10.00, which will be automatically deducted from the refund amount.

How Do I Return a Product?

1. Register your return by logging in here with your email address and order number.

• Select an order and click "Create Return".
• Select the products you want to return and the reason for the return. Click "Next".
• You will see a summary of your return.
• Please check that the information matches and then click "Submit Return".
• Your return is now registered and you can send your return to us.

2. Pack the products you want to return in the original shipping packaging (or similar packaging). The products must be in a sellable condition, i.e. clean, unwashed and unused. Any product labels must be attached to the product.

3. Attach the return shipping label to the return package. Stick the address label in a visible place on the package so that the information on the original shipping label is covered.

4. Return the package to the parcel point of the shipping company indicated on the return label.

5. Please ask for a receipt for your return. Keep the receipt until we have processed your return.

Return Processing

Returns are processed within 14 business days from the return shipment date. You will receive an email confirmation once your return has been processed. If more than 14 business days have passed since the return date, please contact our customer service and we will check the status of your return. Please also include a photo of the return receipt or the return tracking number in your message. Tracking number can be found on the return receipt you received.

 
Product Exchange

If you wish to exchange a product, return the original item and place a new order for the desired item or size.

Late Returns

If your order’s return period has expired, you can no longer return the item using the return label. In this case, please contact our customer service here or by e-mail: posti@blackmoda.fi

How to Return Items in Finland

For domestic orders in Finland, returning items is easy with the return label included in your shipment. First register your return by logging in here. Then pack the return items in the original shipping package (or a similar package). 

Returning via Posti or Matkahuolto Service Point in Finland

Attach the return label over the original shipping label. Drop off the package at your nearest Posti or Matkahuolto service point. Request a receipt and keep it until you receive an email confirmation, that we have processed your return.

If your return package is thin (less than 3cm thick and under 2kg), you may drop it in a Posti mailbox with the return label attached. However, we recommend saving the tracking number just in case of problem situations.

Returning via Posti SmartPost in Finland

Get a return code from https://www.posti.fi/en/private/parcels-and-tracking/return-a-parcel using your JJFI tracking number. Choose a Posti Smartpost locker based on your postal code. You will receive a return code and locker number for your return. Drop the package in the locker and keep the receipt. Alternatively, you can use the original tracking number from the shipping label to generate a return code on Posti’s website: https://www.posti.fi/en/private/parcels-and-tracking/return-a-parcel

Request a receipt and keep it until you receive an email confirmation, that we have processed your return.

Missing Return Shipping Label?

If the return label is missing, you can return your package for free in Finland by using the following details.

RETURN ADDRESS IN FINLAND:

Posti / Ratia
Tikkurilantie 148, ovet D1-D4
01530 Vantaa

Posti Return ID: 673332
Matkahuolto Return ID: 9554023

Take your package to a Posti or Matkahuolto service point and provide the return code to the staff. They will print a return label for you. Request a receipt and keep it until you receive an email confirmation, that we have processed your return.

If you are returning without a return shipping label, please include a note with your name, order number, and information about the products you are returning to the package, so we can process your return correctly.

Also register your return by logging in here.

For domestic orders in Finland, we charge a return shipping and handling fee of €5.90. The return shipping and handling fee will be automatically deducted from the refund amount when we process your return. 

How to Return Items from Europe

To return products from Europe, please first contact our customer service here or posti@blackmoda.fi. When contacting us, please state your wish to return the product, as well as your name and order number. After you contact us, we will send you detailed return instructions and a return shipping label. For orders delivered to Europe, GLS will handle the return shipping.

Then register your return by logging in here and pack the products in the original shipping packaging (or similar packaging).

Print and attach the return shipping label you received from us in a visible place on the package so that the information of the original shipping label is covered. Take the package to the nearest GLS parcel point and request a receipt for the return. Keep the receipt until you receive confirmation from us that the return has been received.

For orders shipped to Europe, we charge a return shipping and handling fee of €10.00. The return shipping and handling fee will be automatically deducted from the refund amount when we process your return.

Special Cases

Promotional Discounts (e.g., "Buy 3, Pay for 2")

If you return items from a promotional discount (such as Buy 3, Pay for 2), the discount will no longer apply. You will pay full price for the remaining campaign items, and the discount will be adjusted accordingly.

Return is not registered or return information is incomplete

If we receive returns that are not registered or the return information is otherwise incomplete, we may not be able to match the return to the correct order and therefore cannot process your return. If you forgot to register your return, you can do so later here. In that case, please also send us your return information by email.

Refunds

Returns are processed within 14 business days from the return shipment date. You will receive an email confirmation once your return has been processed.

The refund will always be made to the same payment method you used to pay for your order. If you paid with an online bank transfer, the refund will appear in your account after 1-3 business days, depending on your bank.

If you paid for your entire order with a gift card, the amount will be refunded back to the original gift card. If you used a gift card and another payment method when paying, the refund will always be made primarily to the payment method you used and only then to the gift card.

Product Warranty and Reclaims

If the product is defective or we have sent you the wrong item, please contact our customer service here or posti@blackmoda.fi as soon as possible. In case of reclaims, attach a photo of the defect. If the claim is approved, we offer the following solutions:

• Repair (only in Finland): If the defect can be fixed, we will arrange the repair via our partner Menddie. The repair is free of charge for you.
• Replacement: If repair is not possible, we can send you a new replacement item. We will email instructions for returning the defective product before sending the replacement.
• Refund or Store Credit: If the product cannot be repaired or a replacement product is not available, we can offer a refund or a store credit equal to the purchase price. If the defective item was the only product in your order, we will also refund your shipping fee.

If we have sent you incorrect item, we will arrange the product exchange free of charge.

Gift Orders

If you want us to deliver your order directly to the gift recipient, you can choose a delivery to a different address at checkout. Please change the phone number to the recipient's phone number if you want the arrival notification to go directly to the recipient. You can leave your own email address as the email address so that you receive an order confirmation of your order. If the order includes the recipient's phone number, we also recommend that you notify the recipient of the arriving package in advance, so that the recipient knows to pick up the package and does not think that the notification has been sent to the wrong number, for example.

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