HIFA CARD (short name for the card) together with the contract determines relationships between groups of HIFA member firms and their clients. Possession of HIFA Card, every customer is entitled to make purchases of goods and services arising from the contract. In the event of any change defined business relationships (such as a longer term, payments, higher limit discounts, etc.), will be defined later annex to the contract, on which the buyer will be notified by letter. In case of refusal contact buyer must return the card.