This agreement contains the terms and conditions of your membership known hereafter as The Jewelry Outlet Too Inc credit agreement.

THE JEWELRY OUTLET TOO INC IS NOT A CREDIT SERVICES ORGANIZATION, BANKING INSTITUTION OR INSURANCE COMPANY, NOR IS IT AFFILIATED WITH ANY CREDIT SERVICES ORGANIZATION, BANKING OR INSURANCE INSTITUTION. THIS PRODUCT IS NOT A VISA, MASTERCARD, OR DEBIT CARD. THE JEWELRY OUTLET TOO INC ACCOUNT IS A LINE OF CREDIT THAT CAN BE USED BY AN ACCOUNT HOLDER TO SHOP EXCLUSIVELY AT OUR ONLINE SHOPPING WEBSITE LOCATED AT WWW.JEWELRYOUTLETINC.COM. THERE MAY BE DOWN PAYMENT REQUIREMENTS FOR PURCHASES AT OUR WEBSITE. THE JEWELRY OUTLET TOO INC DOES NOT FACILITATE, NOR PROVIDE ASSISTANCE IN OBTAINING CREDIT FROM ANY OTHER CREDIT-ISSUING ENTITIES. THE JEWELRY OUTLET TOO INC DOES NOT CHARGE AN ADVANCED FEE TO ESTABLISH CREDIT, NOR DOES THE JEWELRY OUTLET TOO INC  ATTEMPT, OR CLAIM TO ATTEMPT TO REPAIR A CUSTOMER’S CREDIT HISTORY.

The Jewelry Outlet Too Inc™ website is located at www.jewelryoutletinc.com (the ‘Website’). By accessing and/or using the Website and/or our The Jewelry Outlet Too Inc service (the ‘Service’) you agree to comply with, and be bound by, the following terms and conditions (the ‘Agreement’). Please review this Agreement carefully.

If you do not agree to this Agreement in its entirety, you are not authorized to use this Website and/or Service in any manner or form, whatsoever.

IMPORTANT INFORMATION ABOUT YOUR ACCOUNT KEEP THIS INFORMATION FOR YOUR RECORD

REVOLVING CREDIT AGREEMENT AND DISCLOSURE STATEMENT

The merchant may assign all rights under this Agreement and any credit sale made pursuant to it (as evidenced by a revolving credit sales slip) to The Jewelry Outlet Too Inc (“JOI”) and to JOI’s further assigns.

 

Interest Rates and Interest Charges
Annual PercentageRate (APR) for Purchases
0.00%
Variable Rate Information
N/A
Grace Period for Repayment of Balances of Purchases
N/A
Paying Interest
Interest Charges begin on the date a purchase is posted to your account, except in states requiring a grace period, in which case your due date is at least 25 days after the close of each billing cycle and we will not charge you interest if you pay your entire balance by the due date.you pay your entire balance by the due date.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from theConsumer Financial Protection Bureau
To learn more about factors to consider when applying foror using a credit card, visit the Consumer Financial Protection Bureau’s website here.
Fees
Penalty Fees
· Late Payment
Up to $30 See Paragraph 11 of Agreement
· Returned Payment
Up to $30 See Paragraph 12 of Agreement
· Over the Limit
Up to $25 See Paragraph 13 of Agreement
Annual Fee
$99 – $249
Cancellation Fee
None
Delivery Fees
Typically $5.00 per item
Prepayment
No penalties for prepayment
Minimum Monthly Payment
The greater of 5% of the account balance owed or $30.00.  Notwithstanding the foregoing, should your new balance be less than $30.00, the minimum payment due will be the total amount of the new balance.
Annual Membership Benefits
Monthly membership includes a minimum of a $2,500 unsecured card (subject to down payment requirements), access to the credit blog, access to the jewelry blog, and access to our credit answer system (via email).

 

Creditor: The Jewelry Outlet Too Inc

Amount financed and itemization: Equal to the value of the Account holder’s open balance.

Shipping: Shipping and processing fees are required to be paid in full by customer prior to items being shipped. A $5.00 charge will be added to for shipments. Shipping and processing fees are non-refundable. Orders cannot be shipped to addresses other than what is listed on the customer’s account. By purchasing items from The Jewelry Outlet Too Inc, the customer fully understands and agrees to all policies. The Jewelry Outlet Too Inc will replace the defective item(s) only at no charge to the customer. (Less shipping and processing). The merchandise must be defective upon the customer receiving it. The Jewelry Outlet Too Inc has the right to refuse refunds if the customer changes his/her mind and it is determined that the customer has caused the damage to the item(s). The Jewelry Outlet Too Inc reserves the right to limit item quantities per order and all orders are subject to quantity restrictions. Additional shipping and handling costs may apply depending on the customer’s location. It is the customer’s responsibility to ensure that the address provided is an address that can accept delivery of merchandise. The Jewelry Outlet Too Inc is not responsible for returned shipments due to non-deliverability for any reason. Items subsequently requiring re-shipment will be re-charged the original shipping fee, plus any applicable handling fees.

Payment schedule: The payment schedule will vary depending upon the purchase cost of all goods purchased by the Account holder and the amount and frequency of payments. The account holder is required to make a specified minimum payment each month (in most cases, 5% of the outstanding balance).

How it Works: Upon Account activation of your membership, you will receive various benefits as well as a credit card account to use exclusively on purchases available through the Jewelry Outlet website. Your Account will not work at any other website. Due to the lack of restrictions associated with obtaining an Account, there are nominal shipping and handling fees required for each purchase.

The Federal E-Sign Act (HR-1714) on Final Digital Signature provides that electronic signatures on documents hold equivalent legal status as traditional handwritten signatures. By completing the online application at the website for The Jewelry Outlet Too Inc, member certifies that their digital signature is the equivalent of its handwritten signature. Also, the member declares that it has read and understands all of the Terms and Conditions and agrees to and does sign each section of these Terms and Conditions with its digital signature.

Cancellation and Refund Policy: Cancellation and Refund requests can be made within 30 days of your billing date by calling Member Services at 1-866-457-4686, Monday through Friday from 9:00 a.m. to 8:00 p.m. MST, and Saturday from 10 a.m. to 3 p.m. MST (excluding holidays). Chargeback / Bank or Credit Card Company Dispute Charges: The Jewelry Outlet Too Inc strives to provide exceptional customer service. If you feel you are entitled to a refund or would like to cancel your enrollment, you may do so by calling 1-866-457-4686 Mon – Fri 9:00 am through 5:00 pm.

Customer Advocacy If you feel at any time you are not receiving the customer care and attention you deserve, we encourage you to contact our ‘Customer Advocacy’ department. Customer Advocacy is dedicated to helping you 5 days a week from 9:00 am until 5:00 pm. Please call 1-866-457-4686 for Customer Advocacy.

Acceptance of Agreement. You agree to the terms and conditions set forth in this Agreement with respect to your use of the Website and/or Service. This Agreement constitutes the entire agreement between you and The Jewelry Outlet Too Inc, and supersedes all prior or contemporaneous agreements, representations, warranties and/or understandings with respect to the Website, the Service and/or your Account, as defined herein below. We may amend this Agreement from time to time, in our sole discretion, without specific notice to you. The latest Agreement will be posted on the Website, and you should review this Agreement prior to each use of the Website, the Service and/or your Account. By your continued use of the Website, the Service and/or your Account, you hereby agree to all the terms and conditions contained within the Agreement in effect at that time. Therefore, you should regularly check this page for updates and changes.

Additional Terms and Conditions For The Jewelry Outlet Too Inc Accounts. The Jewelry Outlet Too Inc is an online merchandise shopping service. After obtaining an Account, you can make purchases of select items available at or through the Service. Accounts may be obtained by individuals 18 years of age or older, who possesses a valid and active U.S. credit card, debit card, checking or savings bank account. There are no hard pull credit checks, or employment requirements to obtain an Account. There is a minimum monthly income requirement of $1,500.  There are also no restrictions applicable to those with past bankruptcy history.

Accounts: To obtain an Account, you must submit an application to The Jewelry Outlet Too Inc to qualify for an Account. When you apply for an Account, you agree to provide accurate, current and complete information about yourself (“Application Data”) as prompted by our application form. You also agree that The Jewelry Outlet Too Inc reserves the right to debit or charge your checking account or debit card/credit card the full amount and or any portion of the full amount as not to exceed the advertised amount. In the event we are unable to capture the full amount from your credit or debit card as you requested, we may, within 7 to 60 days, attempt to reprocess your request for any amount up to the original processing amount. You will be notified by e-mail upon approval. You also represent that we may rely on your submitted Application Data as accurate, current and complete. You agree to maintain and update your Application Data to keep it as accurate, current and complete as possible. The Jewelry Outlet Too Inc reserves the right, in its sole discretion, to terminate your Account for inaccurate, untrue, deceptive and/or incomplete Application Data. In order to update your Application Data, please access and update your online profile. You understand that by submitting an application to The Jewelry Outlet Too Inc, you are not guaranteed to obtain an Account. The Jewelry Outlet Too Inc reserves the right, in its sole discretion, to accept or reject any application for any reason, or for no reason, whatsoever.

Incomplete Applications: By clicking ‘submit’ on the application page located at www.jewelryoutletinc.com, you grant permission to The Jewelry Outlet Too Inc to contact you, when necessary, via e-mail or telephone to complete your application. If The Jewelry Outlet Too Inc approves your application; you will receive an e-mail confirming your application approval and your associated username and password information (‘Login’) information. Once you receive this Login information, you may make immediate use of the Service.

ACH Debits: If any Automated Clearing House (‘ACH’) or Remotely Created Check (‘RCC’) debit request for a fee associated with your Account is returned due to non-sufficient funds available in your bank account, The Jewelry Outlet Too Inc may attempt to collect the applicable fee by automatically resubmitting to your bank subsequent ACH or RCC debits. Any subsequent debit attempts by The Jewelry Outlet Too Inc will not exceed the original fee amount. Furthermore, you understand and agree that if The Jewelry Outlet Too Inc is unable to obtain payment from your bank, The Jewelry Outlet Too Inc reserves the right to immediately terminate your Account or reduce your available credit until a consistent payment history has been established.

Credit Bureau Reporting: The Jewelry Outlet Too Inc will report your new The Jewelry Outlet Too Inc to the credit bureaus. The Jewelry Outlet Too Inc Account does not guarantee aid in building or re-building credit or to the posting of any positive references to any credit report. Due to circumstance beyond our control, it may take up to 60 days for your The Jewelry Outlet Too Inc information to appear on your credit report.

Purchases and Monthly Billing: You will be electronically/paper billed monthly for the minimum payment due on your The Jewelry Outlet Too Inc account. For ease and convenience, our E-Bill feature is designed to send invoices to the email address we have on file for each monthly billing cycle. For account holders who prefer to receive paper statements: In the event, you do not make the monthly minimum payment for three consecutive months, we will no longer send paper statements but will send electronic statements. Only account holders that are in good standing may make purchases at the Website and receive additional account holder’s benefits. On occasion, a product or products that you order may be out of stock from our suppliers. In that event, all pre-paid funds, for your convenience, will be automatically applied as a credit to your The Jewelry Outlet Too Inc account.

Your Promise to Pay: You agree to pay the minimum payment due shown on each monthly electronic bill/paper statement. All payments must be received on the date indicated on the electronic bill/paper statement. The Jewelry Outlet Too Inc account holders are responsible for maintaining a valid email address on their account.

Application of Payments Received: Payments received are always applied to any unpaid balance. Payments are applied toward purchases in the same order that they were made, older purchases first.

Minimum Monthly Payment: The minimum monthly payment for any given month (as long as your account shows an outstanding balance) is the greater of a) 5% of the account balance owed immediately following any purchase made to your account, or b) $30.00. The minimum monthly payment does not automatically decrease as your account balance decreases. Notwithstanding the foregoing, should your new balance be less than $30.00, the minimum payment due will be the total amount of the new balance.

Default: Your Account will be considered in default status if: a) you fail to pay the minimum monthly payment when due; or b) you breach any of the terms and conditions of this Agreement. If your Account is in default, in compliance with applicable law, The Jewelry Outlet Too Inc™ may: a) demand that you immediately pay the entire unpaid balance on your Account; b) apply monies received on subsequent purchases to any delinquent account balance owed; and/or c) proceed with legal action to collect any unpaid amounts.

Good Standing Requirement: You understand that you must maintain your Account in good standing by making at least the minimum monthly payments on time and accurate account and personal information. If your Account is in default status, you understand that your Account privileges and benefits may be suspended and/or terminated until you have re-established a consistent pattern of on-time monthly minimum payments.

Authorized Use: The Website and Service are available only to individuals who can enter into legally binding contracts under applicable law. However, if you are under the age of 18, you do not have the authorization to access or use the Website and/or Service in any manner whatsoever. If you are a Website visitor (‘Visitor’), you may use the Website in order to obtain information about Jewelry Outlet Inc™ and the Service and to apply for a Jewelry Outlet Inc account (‘Account’). Visitors are not authorized to access any content and/or data available to those individuals that are Account holders. In addition, to apply for and obtain an Account, you must be at least 18 years old and have a valid and active U.S. checking or savings bank account.

 

Sincerely,

THE JEWELRY OUTLET TOO INC
11445 E VIA LINDA 2-467
SCOTTSDALE, AZ 85259
(866) 457-4686