Business Advantage Gold

Membership Terms & Conditions

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Businessadvantagegold is a membership benefit and credit program providing interest-free financing for its membership. Eligible Services and Products for purchase may include but are not limited to: computer systems, personal and home electronics, vacations and other services that are listed in our membership materials either in print or on our web sites . Services and product availablity are subject to change as are our financing arrangements and terms subject to change at any time and without notice. Members should check websites(s) for any changes and/or updates.

Member acknowledges that Membership requires a down payment for each selected service or product purchased and that the required down payment may range from 15% to 35%. NO ITEM IS SHIPPED NOR ANY SERVICE APPROVED PRIOR TO PAYMENT OF THE REQUIRED INITIAL DOWN PAYMENT BY EACH MEMBER (AND RECEIPT BY Business Advantage Gold AND CLEARANCE OF FUNDS BY MEMBER’S FINANCIAL INSTITUTION).

MEMBERSHIP SERIVCES: include interest-free financing up to 85% on select pre-configured computer systems and other products and services listed for our member materials; tech support; convenient online shopping; promotional newsletters and other offerings that provide additional savings and services; toll free member services line and unlimited access to the Business Advantage Gold Internet site(s).

DESCRIPTION OF MEMBERSHIP:
Business Advantage Gold members shall continue to have access to financing contingent upon active membership, as long as any extended credit is continued to be paid in a timely fashion, and if personal and financial information provided by the member on their application remains factual and correct. Incorrect or misleading information that results in Business Advantage Gold denying financing may result in the forfeiture of any membership refunds due member at the discretion of Business Advantage Gold. Membership is available to US & Canadian residents only who agree to the terms and conditions of membership: (1) who qualify with a combined household income of over $2,200 a month; (2) have a valid US checking account; (3) is over 18 years of age; (4) have proof of income for a minimum of 6 consecutive months; (5) and have paid the necessary enrollment fees and any ongoing fees.

AMOUNT OF CREDIT
First-time financed purchases are limited to one (1) computer package or one (1) Vacation Package or a combination of any other products not to exceed $2,500.00. However, at the discretion of Business Advantage Gold -- and based upon good member payment history -- the amount of credit granted to any BAG member may be extended up to but not exceed $7,000 at any given time. The amount of credit issued is based on the pre-configured packages purchased as listed in our materials and calculating the remaining balance after deducting the initial down payment. This line of credit is an installment debt and NOT a revolving line of credit.

The maximum credit limit granted to members is allotted between consumer goods and travel financing: The consumer goods ceiling is set at $3,500.00 for sole purpose of purchasing computers, personal electronics and other consumer goods; the travel financing ceiling is set $3,500.00 for the sole purchase of Vacation Package financing. As mentioned above, the credit line is not intended to be used like a bank- issued revolving credit card; it is intended to be used toward all products and services offered by Business Advantage Gold in an installment loan capacity.

The credit account allows a member to make payments on an initial first-time purchase, create three months of good payment history, then using the remaining balance for financing on future additional products. Prior to allowing members to increase their credit with Business Advantage Gold, we require new members to build and maintain a positive payment history with us.

USAGE of the member financing is only for the business owner listed on the membership card. You agree that you will use Business Advantage Gold only for your own behalf and for business needs. Business Advantage Gold reserves the right to ask for additional deposits if your membership or payment history reflects negative activity. Any fees or payments returned NSF or un-paid for any reason may disqualify you from any future financing. Travel services offered by Business Advantage Gold are impacted by the vagaries of the travel industries. As such, a limited number of itineraries are available for departure per day each year. Providing alternate travel dates will help us confirm your selected destination.

Members may not cancel thier memberships if they have outstanding outstanding balances during any year for which payments are being made. If all outstanding payments have been paid, member may cancel their membership at any subsequent time.

MEMBERSHIP TERMS:Your membership is effective for a period of twelve months following enrollment date under the annual membership plan. Each year you will be renewed as long as your monthly maintenance fees continue to be paid. Each year you will be notified by mail 30 days prior to the renewal date and any new membership materials will be shipped. This is known as a Continuity Plan. We reserve the right to increase or decrease the Renewal Fee for each new Membership Term.

FINANCE PAYMENTS: Financing is issued on select products and services to Members who agree to have their checking accounts electronically debited for repayment of the credit extended on a monthly basis as listed in our membership materials. Payment terms range from 3 months to 18 months depending on the selected product or service and a separate promise to pay agreement between Business Advantage Gold and the member will be sent for signature for each item financed by the member.

DEFAULT ON ACCOUNT : Member will be in default if: a) they fail to pay the required “monthly payment” when due; or b) they breach any of the Terms and Conditions of the Purchase Agreement. If in default, then upon compliance with applicable law, Business Advantage Gold has the right to: a) demand payment of the entire unpaid balance on the account immediately; b) apply monies received on subsequent purchases to any delinquent account balance owed including late fees if applicable; and/or c) proceed with legal action.

DELINQUENT ACCOUNT : My account is considered delinquent if the Monthly Payment is not received by Business Advantage Gold by the due date. If this occurs, a $10.00 late fee may be charged against my account.

* All members financing any product or service may be required to provide to our finance department the following documentation for Identity, Residence and Employment verification purposes only:

1. Photo copy of valid state issued drivers license or identification card.
2. Photo copy of your federally issued social security card.
3. Photo copy of a current utility bill in your name and showing your current address.
4. Photo copy of a current pay stub in your name and showing a minimum of 6 months of employment.
5. Photo copy of a current bank statement in your name and reflecting a positive balance.

Our finance department reserves the right to require the submittal of any additional forms of identification and or residential and employment documentation not stated here that it deems necessary to satisfy the above stated requirements for loan approval. If the documentation sent by you fails to satisfy these requirements to our satisfaction we reserve the right to refuse financing to anyone at anytime.

The above requirements are meant to protect our members and Business Advantage Gold against Identity theft and fraud.

SECURITY INTEREST: Business Advantage Gold, to the extent legally permissible, retains a security interest in all merchandise charged on your account until the balance is paid in full.

SATISFACTION GAURANTEE : Should you not be satisfied with your new member benefits for any reason whatsoever we will refund your initial enrollment fee, no questions asked.

SHIPPING Free shipping applies to CPU only to be sent by UPS ground or equivalent (AK and HI excluded). This applies to your first purchase only. Future purchases will not receive free or discounted shipping unless otherwise stated. *The 14-day shipping guarantee does not apply to any PC where upgrades are added thus requiring additional installation time. Any advertised bundled system may not be shipped in 14 days due to the number of devices needed. The 14-day guarantee is limited to business days only and can total up to 21 calendar days. Business Advantage Gold is not liable for any damage to any product purchased incurred during shipping. All damage claims must be filed with the applicable shipping company (e.g., UPS).

SHIP TO PROHIBITIONS : Please be informed that your designated ship to address must reflect the address on the PURCHASE AGREEMENT. Business Advantage Gold will not process any order which specifies an address of a freight forwarder, warehouse, distribution center, airport, hotel, PO Box or any address other than that of the buyer listed on the purchase agreement.


TRADE UP & TRADE IN POLICY Members must be in good standing with their membership including no missed or late payments on previous agreements including but limited to Membership Agreement. A new purchase agreement must be signed prior to shipping new upgrade PC. Contract terms may vary based on upgrade model selected and trade in model used. Monthly payment and or deposit requirement may increase based on upgrade model chosen and trade in model used. Business Advantage Gold reserves the right to refuse upgrade trade in if trade in PC is damaged or does not work to our satisfaction. All taxes and fees must be paid prior to shipping if applicable.

INSTANT REBATE POLICY Rebate is for first time buyers only and only applies to products advertised as offering an "Instant Rebate". Rebate may not be used in conjunction with any other offer and is void where prohibited. Rebate offer applies only to new "complete system" purchases. A "complete system" includes but is not limited to purchase of a new CPU and monitor. Members purchasing a new CPU without a monitor are not eligible for instant rebate offer where offered.

STATE NOTICES

NOTICE FOR CALIFORNIA RESIDENTS: California law requires that we inform customers that should they fail to fulfill the terms of their credit obligation, a negative report reflecting on their credit record may be submitted to a credit-reporting agency. If you are married, you may apply for credit in your own name.

NOTICE FOR FLORIDA RESIDENTS: You (borrower) agree that, should we obtain a judgment against you, a portion of your disposable earnings may be attached or garnished (paid to us by your employer), as provided by Florida and Federal law.

NOTICE FOR 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.

NOTICE FOR MARRIED WISCONSIN RESIDENTS: No Agreement, unilateral statement or court decree relating to marital property adversely affects a creditor’s interest, unless prior to the time credit is granted the creditor is furnished a copy of the Agreement, statement or decree, or has actual knowledge of the adverse position.