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Refund Policy

Financing Terms

KFF (IAMV) LLC Owners Of www.shopezcredit.com

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 KFF LLC 3310 East 10th St Suite 4, Box #304

Jeffersonville Indiana, 47130 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, applicable 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 and your payment limit approval is dictated by the strategic partner(s) that has approved your application or request. Please contact us for full terms and conditions. KFF will provide a written agrement disclosing the details of your credit approval from the startegic partner and or funding source that approved your applicaiton request. You are under no obligation to sign the written agrement or obligation to complete an order with KFF if you complete an online application. Once you have signed the written agreement and recieved your product you are under obligation to pay the strategic partner or funding source who approved your application. KFF will abide by state laws concerning your account.

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, some lenders provide a 12 months same as cash option. This same as cash option will be dictated by the lender and will be disclosed in writing on your agreement. KFF does not have control over which same as cash option is available to you or the terms and conditions of the agreement from the lender or stratigic partner.

No Credit Check Or Needed Programs

KFF has many strategic partners and lenders. 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 underwrting crieteria. KFF doe not have any control or decision making ability in the lenders underwritring crieteria. KFF does not claim or offer a "guarenteed financing program". IAMV's lenders and strategic partner may chance there underwriting crieteria, terms of the agreement as needed without communication to KFF or future clients. Some of our lenders use an installment financing agreement. Some of our strategic partners use a revolving credit agreement, and some of our lenders use a leasing agreement. KFF is the retailer and will use the appropriate lending document provided by the lender or strategic partner based on state law and the lender requirements.

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 agreement. Payments will be applied first to unpaid FINANCE CHARGES and then to the unpaid principal balance. 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.

MONTHLY STATEMENT

Our financing strategic partners may 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, some of our lenders offer upto 12months 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.

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.