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Contact us:

Phone:
812-944-4953
Toll Free: 866-300-2070
Fax:
812-944-5635
Email: info@ezcreditwarehouse.com
orderstatus@ezcreditwarehouse.com     

 
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Finance Terms and Conditions

IMPORTANT PLEASE READ

Review the following terms carefully. By agreeing to these terms and submitting an application online, over the phone or by mail, you give permission to run your credit report for the purposes of establishing a credit account with us.

INFORMATION SHARING

CREDIT_INFORMATION

ADVERTISED_“AS_LOW_AS”_
PRICE_DISCLAIMER

ACCOUNT_INFORMATION

HOW_WE_COMPUTE_FINANCE_CHARGE

SAME_AS_CASH_OPTION_FOR_WAIVER_
OF_FINANCE_CHARGES

AVERAGE_DAILY_BALANCES

QUESTIONS_ABOUT_YOUR_BILL

MONTHLY_PERIODIC_RATE

OHIO_RESIDENTS

CREDIT_LIMIT

MARRIED_WISCONSIN_RESIDENTS

PURCHASES

NEW_YORK/RHODE_ISLAND/VERMONT_RESIDENTS

PAYMENT_TERMS

CALIFORNIA/UTAH_RESIDENTS

MONTHLY_STATEMENT

NOTE

CALCULATION_OF_FINANCE_CHARGES_

 

DEFAULT_

 

INFORMATION SHARING
We are permitted to share information about you or your account (including information obtained from credit bureaus) with our affiliates, funding sources, or strategic partners for the purpose of seeking financing approval per the credit application you submitted. You may prohibit the sharing of such information (except for the sharing of experience information between us or our funding sources, affiliates, or strategic partners and you), by sending your request to IAM Ventures LLC 2241 #358 State Street
New Albany IN, 47150 Please include your account number with your request.

ADVERTISED “AS LOW AS” PRICE DISCLAIMER
The advertised price per month is the estimated monthly payment required to be made for that item or group order until that item or group is paid off. The advertised price per month does not include any applicable finance charges, shipping charges, installation or applicable sales tax. The price per month may change or be different than displayed due to a shorter time frame (term) required by our funding sources or strategic partners to repay the agreement to obtain ownership. The term of the payment plan approval is dictated by the strategic partner that has approved your application or request. Please contact us for full terms and conditions.

HOW WE COMPUTE FINANCE CHARGE
For applicable financing agreements we calculate the finance charge payable each month, we multiply the average daily balance times the monthly periodic rate and, if applicable, add any deferred finance charge (see Deferral Periods). There is no finance charge when you pay your Account in full within a grace period of 90 days

AVERAGE DAILY BALANCES
For applicable financing agreements, we figure the finance charge on your Account by applying the monthly periodic rate to the "average daily balance" of your Account, including current transactions. To get the "average daily balance" we take the beginning balance of your Account each day, add any new purchases, charges and other fees, such as late fees, and subtract any payments or credits we apply. Purchases subject to the Deferral Periods described below are excluded from our calculation of the "average daily balance" until the day following the expiration of the Deferral Period. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "average daily balance."

MONTHLY PERIODIC RATE
The monthly periodic rate of our applicable finance contracts area fixed interest rate of 1.5%, which corresponds to an ANNUAL PERCENTAGE RATE of 18.00%.

CREDIT LIMIT
If approved by one of our financing strategic partners, they will establish a credit limit for you. The strategic financing partner which has granted to you this credit limit has the right to raise or lower that credit limit on demand.  You may not charge purchases to your account if it will cause you to exceed your credit limit.

PURCHASES
Our financing strategic partners will periodically notify you of merchandise, which you may purchase and charge to your account if you have available credit.  You also authorize us to purchase any sales slips or other similar documents showing present or later purchases to be added to your account and to charge your account the amount financed related to these purchases.

PAYMENT TERMS
For applicable financing agreements you can repay any or all of your account balance at any time without penalty.  When you do not pay your entire balance in full, you must make a minimum payment each month.  The amount of the minimum payment is shown on the front side of your finance agreement. Payments will be applied first to unpaid FINANCE CHARGES and then to the unpaid principal balance.

MONTHLY STATEMENT
Our financing strategic partners will mail you a statement each month at the address we have for you in our records.  This statement will show your purchases during the month.   The beginning and ending balances in your account, payments received, the amount of any FINANCE CHARGES and the minimum payment that you owe.

CALCULATION OF FINANCE CHARGES
For applicable financing agreements a  FINANCE CHARGE begins to accrue on the entire initial amount charged to your account on the date the charge is posted to your account. You may avoid payment a FINANCE CHARGE on purchases shown on your billing statement if you pay the entire balance owing for the new purchase by the due date shown on the billing statement.  When a FINANCE CHARGE is imposed, it is calculated by applying the monthly periodic rate for your state residence (as shown on the front our your agreement) to the balance in your account at the beginning of the billing cycle less all payments received and credits during the billing cycle.  Current month purchases, except the initial amount, will be added to your account balance after the computation of FINANCE CHARGES.

DEFAULT
For applicable financing agreements, you will you will be in a default if (a) you fail to make a required payment when due on two occasions within any 12 month period; (b) you are declared insolvent or you file bankruptcy: or (c) you violate any term of this Agreement.  If you are in default, we will send you a notice of the default, and give you 15 days to cure the default.  If the default is not cured in that time, we then have the right to demand the entire amount on your account to be paid immediately.  IF we begin collection proceedings, you agree to pay all collection costs, court fees and attorney fees in an amount permitted by law.

CREDIT INFORMATION
You agree to authorize us or our strategic financing partners to obtain a credit report and any other information about your creditworthiness.

ACCOUNT INFORMATION
You authorize us or our strategic financing partners to furnish information about the account to credit reporting agencies and anyone else who may lawfully receive such information.

SAME AS CASH OPTION FOR WAIVER OF FINANCE CHARGES
For applicable financing agreements, if the full Amount Financed is paid with in 90 days of purchase, the Finance Charges will be waived.  Buyer understands that monthly payments must be made as shown scheduled in the contract, and that all other terms of the contract will apply.

QUESTIONS ABOUT YOUR BILL
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at: IAM Ventures LLC at 1402 #4 Blackiston Mill Rd. Clarksville In, 47129  as soon as possible. You may also contact the applicable strategic financing partner directly. If you need contact information please call us at (Toll Free) 866-300-2070.

OHIO RESIDENTS
The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

MARRIED WISCONSIN RESIDENTS
No provision of any marital property agreement, unilateral agreement, or court decree under Wisconsin's Marital Property Act will adversely affect a creditor's interest unless, prior to the time credit is granted, the creditor is furnished a copy of that agreement or decree or is given complete information about the agreement or decree.

NEW YORK/RHODE ISLAND/VERMONT RESIDENTS
You agree to give us or our strategic financing partners permission to access your credit report in connection with any transaction, or extension of credit, and on an ongoing basis, for the purpose of reviewing your Account, adjusting the credit line on your Account, taking collection action on your Account, or for any other legitimate purposes associated with your Account. Upon your request, you will be informed of whether or not a consumer credit report was ordered, and if it was, you will be given the name and address of the consumer reporting agency that furnished the report. New York residents can contact the New York State Banking Department to obtain a comparative listing of credit card rates, fees and grace periods.

CALIFORNIA/UTAH RESIDENTS
As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

NOTE
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.  When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver's license number or other identifying information.

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