www.cromia.it (the "Website") is owned by LA.I.PE. S.p.a. located in Tolentino (MC), Via Walter Tobagi 2, registered with the Camera di Commercio (Chamber of Commerce) of Macerata n. MC - 83342  of Registro delle Imprese (Company Register), fiscal code n. 00334670437, VAT n. 00334670437 ("Cromia").

If you place an order through this Website, upon confirmation that such order is accepted a sales contract will be executed between you and us, which will be governed by these Cromia Terms and Conditions and specifically by the Purchase Terms mentioned below.

Purchase Terms
Please read these Purchase Terms carefully before ordering Products online from the Cromia Website. Please, note that these Purchase Terms include the terms contained in those pages.

Purchase Terms application
These Purchase Terms apply to all offers and contracts relating to the sale and delivery of Products by Cromia.  In other words, you agree to these Purchase Terms, when you (i) order anything from the Website or (ii) at any web page directly connected to the Website or when you accept an offer from Cromia. It is only possible to deviate from these Purchase Terms if agreed in writing by Cromia.

Requirements to conclude a contract with Cromia
You have to be 16 years of age or older to buy Products via the Website.
You can only order on the Website if you are a consumer, not a reseller, dealer or distributor.
You guarantee that the information you provide to Cromia in the request or order is accurate and complete.

Customer Care Service 
For information please contact our Cromia Customer Service at +39 0733 971541 (Mon-Fri 9:00-13:00 and 14:00-18:00 Local timing - GMT+1) or at customercare@cromia.it.

Cromia sells on its Website www.cromia.it the articles of its collections.

The easiest way to find the product you desire is to use the search function at the top right of the page by entering the keyword in the search box and click "Search". You can also find the product of interest by selecting the filters placed inside the E-SHOP section, at the top of the page.

Unfortunately it can happen that some products of the collection are not available online and/or in our warehouse. If the product is not available online, please contact our Cromia Customer Service at +39 0733 971541 (Mon-Fri 9:00-13:00 and 14:00-18:00 Local timing - GMT+1) or at customercare@cromia.it.

Minor differences in colour and other variations in Products are possible as a result of different image acquisition, display technologies or other technical reasons. Cromia is not liable for these variations and deviations.

Prices are quoted in Euro (EUR) and VAT included.

Cromia reserves the right to make price changes prior to an order placed by you.
Cromia reserves the right to change, limit or terminate any special offers or discounts at any time.

Cromia charge delivery costs. The delivery costs vary for quantity of Products and Countries. These costs will be charged separately, itemised and added up with the total amount of the order. For extra EU countries, the total amount indicated in the payment page includes the costs of Product/s and shipping. Import custom duties and taxes, where due, are not included and must be paid by the Client. For further cost details, please look at Delivery section of Cromia Terms and Conditions.

All information on the Website is an invitation to treat only. In other words, the information is not an offer or binding contract. You agree that your order is an offer to purchase the Products listed in your order.

Cromia is entitled to verify an order in advance at all times and/or to refuse to accept an order without providing reasons and with no liability to you or any third parties. If Cromia does not confirm acceptance of your order within ten working days, it is deemed to have been refused.
All orders submitted by you are subject to acceptance by Cromia. We may choose not to accept your order at our own discretion.  

Examples of when we may not accept your order are as follows:

• If Products are shown on the Website but are not available;
• If we are unable to obtain authorisation of your payment;
• If shipping restrictions may apply to a Product;
• If Products shown on the Website contain a manifest error such as being incorrectly priced or otherwise incorrectly described.

After your order has been placed, we will send you an order acknowledgement email with your order number and details of the Products you have offered to purchase. Acceptance of your order and the formation of a contract of sale of the Products between you and Cromia will take place when you receive an e-mail from Cromia which confirms the shipping of Products.

If your order (or part of the order) is canceled, the amount of course will be refunded to your account. Refunds are usually made ​​within 1 or 2 working days from the receipt of return and its approvation. However, your bank may take a few days longer to process the transaction.

All Products will remain the property of Cromia until you have paid all amounts owing to us in full under any agreement, including the payment of costs, earlier or later deliveries or partial deliveries. 

Cancelling your order
It is not possible to cancel your order, because we start to process your orders as soon as it is submitted. However, if you no longer want the product purchased, you can return it and you will be refund within 1 or 2 working days from the receipt of return and its approvation. You can get a refund on returned products only if the return is in accordance with our criteria (see Return and refund section of Cromia Terms and Condictions).

Exchange policy
Cromia does not exchange Products. If you wish to exchange a Product, you will need to return your purchase for refund and place a new order. It is only possible to get a refund on returns when the return is in accordance with our criteria (see Return and refund section of Cromia Terms and Condictions).

Change of delivery address
The delivery address can not be changed after submitting the order.
In the future you will be able to change the delivery address before a new purchase through your Account page.

If you are a registered user of the Cromia Website, please use your email address to login. If you do not have an account, please note that it is necessary to have one before making the payment.

Before concluding the purchase, please check the delivery address and choose the method of payment, then proceed clicking on "Confirm Order" . After order confirmation is no longer possible to make changes, so make sure that everything is correct before payment. 

Cromia only accepts the payment in advance od the Products ordered through Credit/Debit Card, PayPal system or bank transfer. Credit card and PayPal data are managed using an SSL-encrypted protocol that guarantees the security of the online transaction. The payment of orders placed on www.cromia.it is handled directly by Paypal and by the banking institutes in charge who directly manage the information relating to each order and its payment through their protected servers. Cromia is not aware of credit/debit card data and is therefore not able to store them in any way.

In case you prefer to choose the bank transfer solution, Company details are as follow:

Beneficiary:
LA.I.PE. S.p.a.
Via Walter Tobagi, 2
62029 Tolentino (MC) - Italy
 
Bank:
Banca Nazionale del Lavoro
AG. Macerata
Piazzale Oberdan, 7
62100 Macerata (MC) - Italy
 
C/C: 3334
IBAN: IT84 C 01005 13400 0000 0000 3334
SWIFT: BNLIITRR

Cromia will include the printed invoice in the box used for the good shipping. Cromia reserves the right to issue or make available electronic invoices and you agree to such form of invoicing.

Cromia can only deliver to a home or office address.
Deliveries will be done on business days, not being a public holiday in your country or in the area in which our Cromia warehouse is located. Therefore, please, take into account any public holidays including any national, provincial and/or local holidays in your country of residence and in the city of Tolentino (MC) - Italy (Cromia warehouse address). Note that public holidays may vary per country and per year. We suggest checking all public holidays to get a better estimation of delivery periods.

The products ordered will be shipped within 5 working days from the receipt of payment. Shipments will be delivered within 2/5 working days.
Note that Delivery periods are indicative and are therefore not regarded as strict deadlines. The mere fact that a delivery period is exceeded does not entitle you to compensation. NOTE: Items ordered from the 19th of December 2018 to the 1st of January 2019 included will be shipped out starting from the 2nd of January 2019. During SALES period orders may delay.

Cromia is entitled, insofar as reasonably possible, to make split deliveries so that you receive your Products as soon as possible. ​
In the unlikely event that, after entering into the sales contract, Cromia can no longer deliver your Products and is not responsible for this situation, Cromia will be entitled to terminate the sales contract. Cromia will, of course, inform you as soon as reasonably practicable and reimburse any payments made.

Cromia charge delivery costs. The delivery costs vary for quantity of Products and Countries. These costs will be charged separately, itemised and added up with the total amount of the order. For extra EU countries, the total amount indicated in the payment page includes the costs of Product/s and shipping. Import custom duties and taxes, where due, are not included and must be paid by the Client.

Shipping cost will follow this chart:

Find your country on this list to know the shipping cost applicated.

Once the order is taken over by the forwarder, the Client will receive an e-mail containing the order details and tracking number for tracking his/her shipment in real time. It is always possible to access an archive of orders in the CUSTOMER AREA and, through this, it is possible to see all the information related to purchases.
Cromia is responsible for shipping of the order until it is delivered. After delivery the responsibility of items transfers to the Customer or to the person who signs the receipt of the package, which becomes responsible. The responsibility of Cromia towards the shipment ends in fact at the time of signature.

In the event that a package has been delivered damaged, we invite the Client to contact Cromia Customer Service immediately at +39 0733 971541 (Mon-Fri 9:00-13:00 and 14:00-18:00 Local timing - GMT+1) or at customercare@cromia.it.

In accordance with art. 52 D.Lgs 206/2005 it is the Customer's right to withdraw from the agreement in case of rethinking by filling in and sending back to Cromia the appropriate form by e-mail to customercare@cromia.it. DOWNLOAD FORM. In other words, the Client has the right to return the Products as indicated below in order to obtain a refund.

Subject to the provisions of these Purchase Terms, you may return the Products received without specifying any reasons within 15 calendar days from the day you receive the Product. If you would like to withdraw from the sales contract with Cromia, you simply return the Products to us. 
If the return falls outside of this period, or the item is worn beyond normal use, damaged or not in its original packaging or lacking of its protective components, Cromia cannot accept the returned items and cannot give a refund. Products' returns can only be accepted if the original label or hangtag has not been removed.

In EU countries the return of Products is at Cromia's resonable expenses. The return of Products must be agreed by the company contacting the Cromia Customer Service at customercare@cromia.it and made using the return label provided via email, or any other way to be approved by Cromia. For extra EU countries, returns must be agreed by the company contacting the Cromia Customer Service at customercare@cromia.it. Cromia is not responsible for shipments lost or sent to wrong addresses.

The Products, unused and complete, including their original packaging insofar as reasonably possible, must be returned to:

LA.I.PE. S.p.a.
Via Walter Tobagi 2
62029 Tolentino (MC)
Italy

The length of time your return is in transit is beyond our control; although once we do receive your return we will process it as quickly as reasonably possible. We therefore need to allow at least 5 working days to receive and to process your return. In the event of a valid return in accordance with these Purchase Terms, Cromia will reimburse the purchase price and the delivery costs (in case of completely returned orders) received from you, within 1 or 2 working days after receipt of items. This is provided however, that Cromia only becomes obliged to reimburse you after we have taken physical receipt of the returned Products.
Although Cromia will refund the money within approximately 1 or 2 working days after processing your return, your bank or credit card company may require additional time to process your refund and for it to reach your account. Cromia will refund the value of the Product(s) total. Refunds will be given in the same form of payment as the original purchase.
If a Product is returned and Cromia believes that it has been damaged because of an act or omission for which you are to blame, or which is otherwise for your expense and risk, Cromia will be entitled to deduct the decrease in value of the returned Product as a result of this damage from the amount to be repaid to you. You can avoid the obligation to compensate the decrease in value of a Product caused by use by not using the Product and by refraining (as far as reasonably possible) from any actions that could negatively affect its value.

Return guidelines for EU countries

• Make sure you pack the item in its original packaging including the original labels and hangtags and protective componenets;
• Print and use the return label provided via email to ship the parcel;
• For further assistance, please contact Cromia Customer Service immediately at +39 0733 971541 (Mon-Fri 9:00-13:00 and 14:00-18:00 Local timing - GMT+1) or at customercare@cromia.it.

All Product specifications, illustrations, drawings, particulars, dimensions, performance data and other information on the Cromia website are intended to represent no more than a general illustration of the Products and do not constitute a warranty of compliance to the Product itself.

In case of lack of conformity of the purchased Product, you have the right to restore at Cromia's expences the conformity of the Product by repairing or replacing the Product itself or, in a subordinate position, to the appropriate price reduction or termination of the contract.  

It is specified that a lack of conformity exists when one of the following situations occurs: (i) the product is not suitable for the use it is normally used for; (ii) it does not conform to the description or does not possess the qualities promised by the seller; (iii) it does not offer the normal use qualities and services of a good of the same type; (iv) it is not suitable for the particular use the Client desires.

In case of lack of conformity, you can request, at your choice:  

• the repair of the Product or its replacement, unless the remedy requested is objectively impossible or excessively expensive with respect to the other. In particular, a remedy is considered excessively expensive if it imposes unreasonable expenses in comparison with the other, taking into account: (i) the value that the item would have if there was no lack of conformity; (ii) the extent of the lack of conformity; (iii) the eventuality that the alternative remedy can be experienced without significant inconveniences for the Client.
• Alternatively, you can request, at your choice, a reasonable reduction of the price or the termination of the contract, where one of the following situations occurs: (i) the repair or replacement is impossible or extremely expensive; (ii) the Product has not been repaired or replaced within a reasonable period; (iii) the replacement or repair carried out has caused significant inconvenience to you. 

A minor conformity defect for which it is not possible or it is extremely expensive to carry out the repair or replacement, does not give right to terminate the contract.  

The right to the legal guarantee of conformity will be exercised only within the term of two (2) years from the delivery of the Product, provided that the related request for repair or replacement of the defective Product or Defective Products is sent within two (2) months from the discovery of the defect. 

To this end, you must keep the purchase receipt and the delivery receipt of the Product, which must be attached to the request of repair or replacement under warranty. In absence of a receipt of delivery of the Product the term of two (2) years referred to above shall be calculated from the date of the purchase of the Product.

Your rights of repair or replacement of any Products or any defective part or parts thereof will not apply when:

• Products have been repaired or altered by other people than Cromia or any authorised dealer;
• defective Product or Products has/have occurred beyond the term of two (2) years from the delivery of the Product and/or the related request for repair or replacement of the defective Product or defective Products, after two (2) months from the discovery of the defect;
• defects are due (wholly or partially) to mistreatment, improper use or storage or maintenance or installation, or failure to observe any manufacturers' instructions or other directions issued or made available by us in connection with the delivered Products.

DISCLOSURE STATEMENT IN ACCORDANCE TO ART. 13 OF THE LEGISLATIVE DECREE 196/2003 AND  ART. 13 OF THE EUROPEAN REGULATION 2016/679.

La.i.pe. S.p.a. recognizes the importance of the Users' personal data and for this reason intends to inform and guarantee them as much control as possible on the management of these information which are collected through this internet site (the "Website") in compliance with what is stipulated in Art. 13 of the Legislative Decree 196/2003 (hereinafter, "Privacy Code") and Art. 13 of the European Data Protection Regulation 2016/679 (hereinafter, "GDPR") regarding the data collected and processed through the website www.cromia.it (hereinafter, the "Site").

1 - Data Controller ad Managers:
The controller of the processing of data collected and processed through the Site, for website surfing, for the provision of services, for customer profiling and specific marketing plans, better indicated in the following paragraph, is La.i.pe. S.p.a. located in Tolentino, Via Walter Tobagi 2, VAT number 0334670437, registration number in the Register of Companies of the Chamber of Commerce of Macerata MC – 83342, e-mail: privacy@laipespa.com.
The updated list of the chosen Managers of the personal data can be provided at the request of the interested parties.
If a Data Protection Officer was appointed, its identification data would be public updating the present data privacy statement.

2- Types of data collected and purposes of processing on the Website  
It’s possible to collect different types of personal data through the Website, for different purposes and in different ways.

More specifically:
(a) personal data related to the internet surfing which are processed in order to grant the correct functioning of the Website and for marketing purposes. For this reason we kindly ask you to continue the reading; 
(b) personal data provided voluntarily by the User (such as, for example, e-mail address, personal data, password) which are processed by the Data Controller to find out the Users’ requests and to provide the services offered to the Customers, where provided or practicable;
(c) with the Customer’s explicit consent, the Data Controller may process the personal data of the User for marketing purposes, to send for example to the User, with traditional tools (such as mail and telephone) or telematic (such as newsletters, emails, text messages, mms and web chat), information and updates on products, promotional campaigns, events and other initiatives.

3 - How personal data are processed
Personal data are collected and processed mainly through information/computer tools by a specific appointed staff which is authorized and instructed for processing in accordance with Art. 30 of the Privacy Code and Art. 28 and 29 of the GDPR , which adopts security measures in order to minimize the risks associated with the intentional or unintentional destruction or loss of the data, unauthorized access or handling, or use of the data for purposes other than those for which it was collected as stated in the Privacy Policy (art. 5 and 32 of GDPR). However, these measures, due to the online transmission system itself , cannot restrict or exclude totally the risk of an unauthorized access or a data loss. For this reason it’s recommended that your personal computer includes suitable software devices which can protect  the transmission of the data over a network, that’s to say both the incoming and the outgoing ones (as for example updated antivirus system) and that your Internet service provider grants suitable security measures in order to have a safe transmission of the data on the net (such as, for example, firewalls and anti-spam filtering).
The data will be processed in accordance with the Privacy Code, the GDPR and all the specific regulations.
In accordance with the "Guidelines on marketing and against spam" of July 4, 2013, please note that the consent given to send to you commercial, promotional and marketing communications through automated tools will also be extended to the traditional methods of contact.

4 - The obligatory or optional nature of disclosure of the data and legal context
We inform you the collection of the personal data through the Site, both to meet requests and queries from users  and for marketing purposes,  is free or  discretionary with exception of the navigation data which are collected and regulated by the Privacy Policy.
The missing  transmission of the data will not limit the use of the Site but in this case the Data Controller can’t meet the requests of information, services and questions,  that’s to say, the dispatch of the information material, updates, newsletters, etc…will be impossible.
With exception of the navigation data, the processing of personal data is based on the consent that  the User may provide.
The Data Controller also processes the data of the Users to provide the feedback or the services requested, not going beyond what is strictly necessary to meet a request or to provide a service.
The optional, explicit and voluntary sending of e-mails to the addresses indicated on this Site entails the subsequent acquisition of the sender’s address, necessary in order to meet requests, and of other personal data which are included in the electronic communication.

5 - Categories of recipient of personal data
The Data Controller manages the personal data of the Users of the Site not going beyond what is permitted by law and in accordance with what is communicated below.
As far as concerns the login, in addition to what is indicated in the previous point 2 b), we inform you that the  personal data will be processed and known as well by the Company's employees and consultants, which are to be considered as parties which are authorized to the data processing,  and by third party companies as well, which perform specific technical and organizational services for the latter in connection with the Site and the management of marketing and communication activities. However these parties are authorized to the data processing. 
Moreover, the data can be notified to the police forces or to judicial authorities, in accordance with the law and upon formal request by such third parties, or if there are reasons to believe that the communication of such data is reasonably necessary in order to (1) investigate, prevent or take action on suspected illegal activities or assist state control and supervisory authorities; (2) defend against any complaint or accusation from third parties, or protect the security of your website and company; or (3)to exercise or protect the rights, property or safety of the Company, people involved, customers, employees or any other person.
Personal data will not be disclosed.
They will be transferred abroad, even outside the EU, only with an adequate levelsof protection according to the law, such as the Standard Contractual Terms approved by the European Commission.

6 – Source of the data and period of conservation
The collected personal data are provided directly by the User (by registration on the Website or using the connected services), except for the navigation data referred to in paragraph 2 a) above. The personal data provided by the User will be kept for the time necessary to provide the User with the feedback or the requested service, in accordance to the tax and civil legislation.

7 - Rights set forth in Article 7 of Code and Guidelines Articles N° 15, 16, 17, 18, 20, 21
The User has always the right to obtain confirmation of the existence of its own personal data, even if not registered yet, and of the related communication in an intelligible form.
The User has also the right to obtain information about the origin of the personal data, the purposes and the methods of the processing, the logic applied in case this processing is carried out with the aid of electronic tools, the identification details of the Data Controller and Data Processors, further details about the parties or categories to whom the personal data may be communicated or about parties who may become aware of them, for example Data Controllers, Data Supervisors or simply parties which are authorized to process the data. The User has also the right to request the updating, the correction or, when interested, the integration of the personal data, the cancellation or the transformation into anonymous form or the block of the personal data which are processed in violation of the law, including those that do not need to be kept for the purposes for which the data are collected or subsequently processed.  The proof that the transactions referred to above have been notified, also as regards their content, of those to whom the data have been communicated, except for the case where notification proves impossible or requires the use of means clearly disproportionate to the right being protected.

The User has also the right to data portability.
However the User is entitled to fully or partially object  to the processing of personal data for marketing purposes and to limit the personal data processing. 
The right to object  can be exercised specifically, with regard to the methods og sending marketing communications. The User also has the right to lodge a complaint with the competent supervisory authority and as well the right to revoke the consent given previously.
The rights listed above can be exercised by sending an e-mail to the following e-mail address: privacy@laipespa.com. 
The User can also request the revocation of the consent to the processing of the persona data following the procedure as indicated in WITHDRAWAL OF CONSENT PREVIOUSLY SUPPLIED.

8 – Cookies
The site uses cookies. 
 Cookies are text files which are stored on the computer, which allow you to record some parameters and data communicated to the computer system, through the browser used by the User.
These tools  therefore allow an analysis of the User's habits, for different purposes such as computer authentications, monitoring of sessions, storage of information on specific configurations concerning users accessing the server, storage of preferences, etc. ..

There are different categories of cookies. 
Technical cookies are used to surf on the internet or to provide a service the User can request. Without these cookies some procedures could not be completed or would be more complex and/ or less safe.
Profiling cookies are used instead to find out information about the Users’ surfing and to create profiles in relation to their preferences, habits, choices, etc… In this way, the User can receive to his device advertising messages corresponding to his preferences. We inform you Cromia does not use this type of cookies.

Surfing on the Site, the User can also receive cookies on his computer that are sent from different websites or web servers (hereinafter "Third Parties"). Moreover by surfing on the Site, the use of Cookies is considered accepted as well as the consent given to the processing of data collected by the Third Parties. 

This Site particularly uses cookies of the following third parties.
- Google Analytics: is a Google analysis tool which collects anonymous browsing data (last octet truncated IP) through the use of cookies (performance cookies). These data are collected  in order to analyze the use of the Site, to compile reports on the activities on the Site and to provide other information  including the number of visitors and the pages which are visited. The User however can selectively disable this analysis tool setting up the opt-out provided by Google on the browser. In order to disable Google Analytics, please refer to the link below:
https://tools.google.com/dlpage/gaoptout

- Youtube: It’s possible that this Site embed videos from YouTube that could set and use its own cookies and /or similar technologies. 
For further information, please refer to the following link:
https://www.youtube.com/static?template=privacy_guidelines&gl=IT

Do not consider La.i.pe. Spa as responsible for small text strings the Customer may receive on his computer from sites or different web servers and/ or related to Third Parties.

Duration of cookies
Some cookies (that’s to say session cookies) are active till the browser is closed. Other cookies "survive" instead when the browser is closed, this means they are available also for future visits on the Site. These cookies are persistent and their duration is set by the server. 
Sometimes there is a deadline, sometimes their duration is unlimited. 

This site does not use persistent cookies, except for the one related to the Users’ acceptance of the cookies (duration of 365 days).
Cookies are connected to the browser used and CAN BE DISABLED DIRECTLY FROM THE BROWSER, refusing / revoking the use of the cookies. 
It’s necessary you know that disabling cookies you could prevent the correct use of some tools of the Site.

9 – Security measures
The User personal data are processed in accordance to the applicable law and with suitable security measures in accordance to the regulation in force pursuant also articles 5 and 32 of the GDPR.
In relation to this, we confirm you appropriate security measures in order to prevent unauthorized accesses, theft, transmission, alteration or unauthorized destruction of the data provided.

10- Updates
The Data controller reserves the right to make changes to this Privacy Notice. In this case,  when the Website will be used again, the User will be promptly informed.

DISCLOSURE STATEMENT ACCEPTANCE
CONSENT FOR MARKETING PURPOSES 

Pursuant to and for the purposes of Article 6 of the European Regulation no. 679/2016, you can give the consent for the processing of your personal data (name and surname, mobile and /or telephone number, e-mail address), you can confirm as well you understood such data will be processed for the marketing purposes / commercial promotions, advertising communication both through e-mails or text messages, and through traditional methods of contact (paper, e-mails or calls with operator).

These Terms and Conditions are governed by the Italian law. The Italian law is applied to sales contracts, with the exclusion of the Contracts for International Sale and Goods (CISG). 
The Client and Cromia may therefore decide to resolve the disputes in 3 ways  

Jurisdiction: For civil disputes the mandatory territorial jurisdiction is the judge of the place of residence or domicile of the Client, if located in the territory of the State. 

ODR: In case a dispute, the user can lodge a complaint via the European Union's ODR platform, reach them at the following link http://ec.europa.eu/consumers/odr/. The ODR platform is an access point for users who wish to resolve disputes arising from sales contracts or online services out of court. For more information contact Cromia Customer Service at +39 0733 971541 (Mon-Fri 9:00-13:00 and 14:00-18:00 Local timing - GMT+1) or at customercare@cromia.it
  
ADR: The Procedure can be initiated if the Client, after having submitted a complaint to the company, has not received a reply within 45 days or has received an answer that is not considered satisfactory by him/her. The Client who decides to make use of the Conciliazione Paritetica (Joint Conciliation) procedure is obliged to send the request to the following address: conciliazione@consorzionetcomm.it or to the fax number +39 02 87181126. For more information, please refer to: http://www.consorzionetcomm.it/SpazioConsumatori/Conciliazione-Paritetica/La-Conciliazione-Paritetica.kl "