Cart

You have no items in your shopping cart.

Terms & Conditions

Credit Application Disclosures, Terms & Conditions

CREDIT APPLICATION

V9.2020

Please read before signing

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. What this means for you: 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 to see your driver's license or other identifying documents.

You hereby acknowledge that you are over the age of eighteen (18) years, and that all of the information set forth in the credit statement is true, accurate and full and complete disclosure thereof. You are providing written consent under the Fair Credit Reporting Act for us and our affiliates, agents, successors, assigns and service providers with whom you are matched to obtain a consumer credit report from a contracted credit bureau. You understand that you are submitting an application for credit, and are consenting to the use of your credit report information. You authorize the holder of this application to verify all data contained in said application, using validation services thru third party vendors. If this application results in a Retail Installment Contract or Closed End Consumer Lease, you authorize any holder of the Retail Installment Contract or Closed End Consumer Lease or any person, firm or corporation requested to extend credit there under, (including any employee or agent of any of them) to communicate with your employer in order to verify your employment. You authorize any holder of the Retail Installation Contract or Closed End Consumer Lease, the creditor thereof, or any Attorney, debt collector or collection agency to communicating any and all information concerning this application or debt to any credit reporting agency or other creditor. By providing your email address, you consent to receive electronic information such as monthly billing reminders, statements and collection notices. You also acknowledge that we and our partners may use all contact information provided to contact you regarding your application, Retail Installment Contract or Closed End Consumer Lease, account status or future issues. You expressly consent and agree that we and our affiliates, agents, successors, assigns and service providers may use written, electronic and verbal means to contact you. This consent includes, but is not limited to, contact by manual calling methods, prerecorded or artificial voice messages, text messages, emails and/or automatic telephone dialing systems. You agree that we and our affiliates, agents, successors, assigns and service providers may use any email address or telephone number you provide, now or in the future, including a number for a cellular phone or other wireless device, regardless of whether you incur charges as a result. You further acknowledge and agree, that you will notify the us and our affiliates, agents, successors, assigns and service providers in writing of any change in your name, address or employment within a responsible time thereafter.

You agree that any and all acknowledgements provided by you in the Contract are provided to us in further consideration of the extension of credit to you and are essential terms of the Contract.

Terms of Use

This page states the Terms and Conditions under which you may use this Web Site. Please read this page carefully. If you do not accept the Terms and Conditions stated here, do not use the Web site. KFF LLC ('KFF') may revise these Terms and Conditions at any time by updating this posting. You should visit this page periodically to review the Terms and Conditions, because they are binding on you. This page also contains disclaimers of warranties and liability.

KFF LLC, owners of shopezcredit.com which is incorporated in the State of Indiana. For purposes of this Agreement, 'KFF' means KFF LLC

Use of Material

KFF authorizes you to view and download a single copy of the material on this Web site ('Web Site') solely for your personal, noncommercial use. Special rules may apply to the use of certain software and other items provided on the Web Site. Any such special rules are listed as Legal Notices on this Web Site and are incorporated into this Agreement by reference.

The contents of this Web Site, such as text, graphics, images and other material ('Material'), are protected by copyright under both United States and foreign laws. Unauthorized use of the Material may violate copyright, trademark, and other laws. You must retain all copyright and other proprietary notices contained in the original Material on any copy you make of the Material. You may not sell or modify the Material or reproduce, display, publicly perform, distribute, or otherwise use the Material in any way for any public or commercial purpose. The use of the Material on any other Web site or in a networked computer environment for any purpose is prohibited.

If you violate any of these Terms, your permission to use the Material automatically terminates and you must immediately destroy any copies you have made of the Material.

Credit Application Disclosure

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT 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. What this means for you: 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 to see your driver's license or other identifying documents.

You represent and warrant to KFF that all of the information you have provided to us in your Application Form is true and complete. You authorize KFF and its third party providers:

  • To check your credit history;
  • To provide the information you submit in your Application Form and your credit history, to our third-party lenders; provided, however, that if you are not approved for financing by our third-party lenders, KFF may submit the referenced information to our strategic partners.

You further authorize our third-party lenders, partners or strategic partners, to check your credit history (if it was not checked by us), if necessary to complete your financing request and to return their decision to you through KFF. You understand that our third-party lenders and/or strategic partners may keep this information in accordance with their respective policies, whether or not your request is approved.

California Residents: If you are married, you may apply for a separate account.

Maine Residents: Consumer reports (credit reports) may be obtained in connection with this application. If you request, the creditor will inform you: (1) whether or not consumer reports were obtained, and (2) if reports were obtained, the names and addresses of the consumer reporting agencies (credit bureaus) that furnished the reports.

New York Residents: A consumer credit report may be obtained in connection with evaluating your application and subsequently in connection with updates, renewals, or extensions of any credit for which this application is made. Upon your request, you will be informed whether a report was obtained, and if so, of the name and address of the consumer reporting agency.

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.

Rhode Island Residents: A consumer credit report may be requested in connection with this application.

Vermont Residents: I authorize the creditor to obtain credit reports on an ongoing basis about me from credit reporting agencies in connection with this extension of credit transaction. The creditor may obtain credit reports about me on an ongoing basis in connection with this extension of credit transaction for any one or more of the following reasons: (1) reviewing the account; (2) increasing the credit line on the account; (3) taking collection action on the account; or (4) any other legitimate purposes associated with the account.

Washington Residents: Please advise us if the creditor should investigate your credit references and/or credit history under another name.

Wisconsin Residents: No provision of a marital property agreement (including a Statutory Individual Property Classification Agreement pursuant to Wis. Stat. 766.587), a unilateral statement under Wis. Stat. 766.59, or a court decree under Wis. Stat. 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement, or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.

KFF is not a lender and does not make all loans or credit decisions in connection with you purchase or request for financing. KFF is not your agent and our services are administrative. Our third-party lenders and/or strategic partners are solely responsible for their services to you. KFF shall not be liable for any damages or costs of any type arising out of or in any way connected with your relationship/transaction with our third- party lenders and/or strategic partners

If you obtain financing, or we involve a third-part service provider, KFF will receive its compensation directly from the third-party lenders and/or strategic partners. Your use of our Web site and/or services demonstrates your approval of this compensation arrangement.

Errors and Delays

KFF is not responsible for any errors or delays in responding to an Application Form caused by an incorrect e- mail address provided by you or other technical problems beyond our reasonable control.

KFF Liability

The Material may contain inaccuracies or typographical errors. KFF makes no representations about the accuracy, reliability, completeness, or timeliness of the Material or about the results to be obtained from using the Web Site and the Material. The use the Web Site and the Material is at your own risk. Changes are periodically made to the Web Site and may be made at any time.

KFF DOES NOT WARRANT THAT THE WEB SITE WILL OPERATE ERROR- FREE OR THAT THIS WEB SITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES AND OTHER HARMFUL GOODS. IF YOUR USE OF THE WEB SITE OR THE MATERIAL RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, KFF IS NOT RESPONSIBLE FOR THOSE COSTS.

THE WEB SITE AND MATERIAL ARE PROVIDED ON AN 'AS IS' BASIS WITHOUT ANY WARRANTIES OF ANY KIND. KFF AND ITS SUPPLIERS, THIRD-PARTY LENDERS, AND STRATEGIC PARTNERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, INCLUDING THE WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES RIGHTS, AND THE WARRANTY OF FITNESS FOR PARTICULAR PURPOSE. KFF AND ITS SUPPLIERS MAKE NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE MATERIAL, SERVICES, SOFTWARE TEXT, GRAPHICS, AND LINKS.

Disclaimer of Consequential Damages

IN NO EVENT SHALL KFF, ITS SUPPLIERS, OR ANY OF ITS THIRD-PARTY LENDERS AND/OR STRATEGIC PARTNERS BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE THE WEB SITE AND THE MATERIAL, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT KFF IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

User Submissions

Generally, any communication which you post to the Web Site is considered to be non- confidential. By posting communications to the Web Site, you automatically grant KFF a royalty-free, perpetual, irrevocable nonexclusive license to use, reproduce, modify, publish, edit, translate, distribute, perform, and display the communication alone or as part of other works in any form, media, or technology whether now known or hereafter developed, and to sublicense such rights through multiple tiers of sublicensees.

IAM uses extensive and sophisticated secure technology to protect your data and any transmissions between you and KFF. For a more information, please refer to our Security Statement. However, KFF cannot and does not guarantee that the personal information you provide will not be intercepted by others and decrypted.

Links to Other Sites

The Web Site contains links to third party Web sites. These links are provided solely as a convenience to you and not as an endorsement by KFF of the contents on such third- party Web sites. KFF is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party Web sites. If you decide to access linked third-party Web sites, you do so at your own risk.

Indemnity

You agree to defend, indemnify, and hold harmless KFF, its officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of the Material (including Software) or your breach of the terms of this Agreement. KFF shall provide notice to you promptly of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit or proceeding.

User Information

KFF may use the information it obtains relating to you, including your IP address, name, mailing address, email address and use of the Web Site, for its internal business and marketing purposes and may disclose information to third parties for such purposes as outlined in our Privacy Statement.

No Credit Check Or Needed Programs

KFF works with many strategic partners and lenders in order to offer Financing options. Some of our lenders offer a no credit needed and in some cases no credit check payment programs. Each lender has differing terms and conditions and underwriting criteria. KFF does not have any control or decision making ability in the lenders/partners underwriting criteria. KFF does not claim or offer a 'guaranteed financing program'. IAMV's lenders and strategic partner may chance there underwriting criteria, terms of the agreement as needed without communication to KFF or future clients. Some of our lenders/partners use an installment financing agreement. Some of our strategic partners use a revolving credit agreement, and some of our lenders/partners use a leasing agreement. KFF is the retailer and will use the appropriate lending document provided by the lender/partner or strategic partner based on state law and the lender requirements.

Average Daily Balances

Please see your finance agreement for balances and interest accrual.

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 may 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 agreement. Payments will be dictated by your separate finance agreement. Some of our lenders offer same as cash options and early payoff discounts which will detailed in writing to you in the agreement prior to your signing of the agreement.

Calculation of Finance Charges

Finance instrument will dictate any finance charges. Please refer to your individual finance agreement for any finance charges.

Default

For applicable financing agreements, you will be in a default if (a) you fail to make a required payment ;(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. The terms of your finance agreement will dictate your monthly payment amount, financial terms, fees and obligations.

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, some of our lenders offer up to 12 months same as cash, 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: KFF LLC at 3310 East 10th St Suite 4, Box #304, Jeffersonville Indiana 47130 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.

Website Terms

The Web Site is based in Indiana. KFF makes no claims the Materials are appropriate or may be downloaded outside of the United States. Access to the Materials (including Software) may not be legal by certain persons or in certain countries. If you access the Web Site from outside of the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. This Agreement is governed by the internal substantive laws of the State of Indiana, without respect to its conflict of laws principles. By using the Web Site you agree that jurisdiction over the venue of any lawsuit shall be exclusively in the State and Federal courts sitting in the U.S. District Court for the Southern District of Indiana. If either party employs attorneys to enforce any right in connection with any Dispute or lawsuit the prevailing party shall be entitled to recover reasonable attorneys' fees.

If any provision of this Agreement is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term. Except where expressly provided otherwise, this Agreement constitutes the entire Agreement between you and KFF with respect to the use of Web Site and any services we provide. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. Any changes to this Agreement must be made in writing, signed by an authorized representative of KFF.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.