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Important disclaimer agreement, terms, conditions, and required disclosures.
THE BOSS COMPANY, LLC - DBA Max Credit Solution. A California Limited Liability Company. Please take a moment and review our Terms and Conditions carefully below.
Billing Rights: This is a close-end agreement and is governed by federal law, the laws of California, and to the extent state law applies. Subject to the requirements and limitations of applicable law, we may change, add, or delete any of the terms of the agreement, including the interest rates, fees, and charges. We will send out a notice to you as required.
You may get approved on our system but due to finance licensing and restrictions in your resident's state we may not be able to offer you financing; we reserve the right to rescind any approval and freeze or close your account at any time and issue full or partial refund of your payments.
We use a method called "Average Daily Balance."
The way Average Daily Balance works is, the average daily balance totals each day's balance for the billing cycle and divides by the total number of days in the billing cycle. Then, the balance is multiplied by the monthly interest rate to assess the customer's finance charge - dividing the cardholder's APR by 12 calculates the monthly interest rate.
The information about the costs of the card described above is correct and accurate as of January 1st, 2022. This information may change from time to time; for the latest update please send an email to info@maxcreditsolution.com and allow 3 to 5 days for response.
This revolving account is governed by federal law, and to the extent state law applies, the laws of California. Subject to the requirements and limitations of applicable law, we may change, add, or delete any of the terms of the agreement, including the interest rates, fees, and charges. We will send out a notice to you as required.
Your minimum monthly payment is the amount on your contract.
Your minimum payment will start 30 days from the date the services or products have been delivered or rendered.
You can always make higher payments than your minimum amount, but to pay the lower amount it must be approved by the dealer and/or Max Credit Solution.
No finance charges on this account.
If you are married, you may apply for a separate account.
A consumer credit report may be obtained in connection with evaluating your application and subsequently in connection with updates, renewals, or extensions of 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 report agency.
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.
No provision of a marital property agreement, a unilateral statement under sec. 766.59, Wis. Stats., or a court decree under sec. 766.70, Wis. Stats., adversely affects the interest of the creditor unless the creditor, prior to the time 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. Married residents of Wisconsin applying for an individual account must give us the name and address of their spouse if the spouse also is a Wisconsin resident, regardless of whether the spouse may use the card.
No provisions of any marital property agreement, unilateral statement under 766.59 of the Wisconsin Statutes, or court decree under 766.70 will adversely affect 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 provision. If an Account is opened for you, you must notify your spouse about the Account before any payment on the Account is due. Your signature confirms that credit extended under this account will be incurred in the interest of your marriage or family.
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 individual or entity opening an account.
When you apply to open an account, whether approved or not, we will ask you for your name, street address, date of birth and other personal information that will allow us to identify you. You may be asked to provide your driver's license or other identifying documents. We are required to follow this procedure each time an account is opened, even if you are a current customer.
I understand that to be eligible for this offer:
With respect to my application, I acknowledge that:
You are consenting that all the information given on this credit application is correct and accurate to the best of your knowledge and that you are applying for credit under your own name, address, Social Security Number, date of birth and identification card. You are also agreeing that all of your employment information is correct and accurate and that if any of the above-referenced information changes in the future you will provide us an update immediately.
This agreement hereby supplements and adds to the credit disclosure and application submitted concurrently with this Addendum. Upon submitting your Credit Application for credit approval or upon opening an open-end credit account or entering into a closed-end credit contract or executing any other type of financing agreement (the "ACCOUNT"), all of which are incorporated and made a part of this Addendum by reference (collectively the "Agreement"), you intend to be legally bound by this Addendum. You hereby acknowledge and represent your acceptance, agreement and authorization of all of the following.
You authorize us to contact you from time to time regarding your ACCOUNT and/or for other marketing purposes, and to contact you in any manner we choose unless the law says that we cannot, including but not limited to: by mail, telephone, email, fax, recorded message, text message, or personal visit; on your cellular/wireless telephone or similar wireless device; using an automated dialing device, a prerecorded message or similar automated contact device; at your home and at your place of employment; at any telephone number, email, social media or other address you provided or that is in our records; at any time as allowed by law, including weekends and holidays; and with any frequency. When you give us or we obtain your cellular telephone number, you authorize us to contact you at that number using an auto-dialer, and we may also leave prerecorded and other messages.
You agree that we are not required to honor your request to terminate any of the above contact authorizations unless you clearly express, make and deliver your request to us as required by applicable law.
When you provide a check as payment on your ACCOUNT, you authorize us either to use information from your check to make a one-time Electronic Fund Transfer ("EFT") from your bank account or to process the payment as a check transaction. When we use information from your check to make an EFT, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution.
Upon any Account payment default, you authorize us to initiate and use EFT over the ACH network or your Credit/Debit Card to charge your bank account or Credit/Debit Card account for any and all payments you owe on a scheduled payment due date and for any late fees or return item charge fee ($25.00 or the maximum permitted by applicable state law, whichever is less) for each returned transaction. You agree that we may resubmit any returned EFT or Credit/Debit Card transaction as permitted by law and network rules. You may terminate or update this authorization so long as you make and deliver the termination or update request to us in writing, or notify us orally at least three (3) business days before the scheduled payment, with written confirmation within fourteen (14) days. If any payment cannot be obtained by EFT or Credit/Debit Card, you remain responsible and liable for any such payment.
If we do not receive an installment payment in full within ten (10) days [or fifteen (15) days if required by applicable state law] after the date your ACCOUNT installment payment is due, you agree to pay a late charge of $25.00 or the maximum amount permitted by applicable state law, whichever is less.
If a payment on your ACCOUNT is made by a check or an ACH (electronic payment authorization) which is returned to us unpaid by your bank, you agree to pay us a charge equal to $25.00 or the maximum permitted by applicable state law, whichever is less.
You promise that you have given us true and correct information in your application for credit, you have no knowledge that will render that information untrue in the future, and you understand that we have relied upon the correctness of that information in entering into the Agreement. Upon our request you will provide us with documents and other information necessary to verify any item of information contained in your credit application. It is expected that the Seller will assign this Agreement to an assignee without further prior notice to you; upon assignment, all of the Seller's rights will transfer to the assignee.
You will notify us within 30 days after any change in your name, address or employment. You will send any notification to the address where you make your installment payments.
You agree that the Department of Motor Vehicles (or your state's equivalent) may release your residence address to us, should it become necessary to locate you.
If you are a resident of the state of Maryland, the assignee and servicing centers release, disclaim and terminate any and all security interests and any and all rights and/or claims related to any and all security interests given to the Seller in all of the goods described and purchased by you in your ACCOUNT.
If you have not paid off your Account by the final due date or upon your default, you agree to pay us finance charges at either the Annual Percentage Rate shown on the front page of your ACCOUNT or the maximum Annual Percentage Rate permitted by applicable state law, whichever is greater, until all sums owed are paid in full.
This Agreement contains all the agreements, understandings, representations, conditions, warranties and covenants between you and us, and correctly sets forth all your and our rights, duties, and obligations to each other. Unless set forth herein, all prior or contemporaneous agreements, negotiations or representations not expressly set forth herein are of no force or effect. Time is of the essence with respect to all obligations of the Buyer under this Agreement.
If any provision of the Credit Application, this Addendum or your ACCOUNT (collectively the "Agreement") is adjudged by any court of law to be void or unenforceable in whole or in part, such adjudication shall not affect the validity of the remainder of the Agreement. Each provision is declared to be severable and constitutes a separate and distinct provision. We may delay or refrain from enforcing any of our rights without waiving them. Wherever the terms of this Addendum conflict with the terms of the ACCOUNT or the Credit Application, the terms of this Addendum shall control.
Under Section 1788.21 of the California Civil Code (or, if applicable, a similar statute in your state), you are required to notify Seller of any change in your name, address or employment within a reasonable time after such change occurs.
By your signature, you certify and represent that the information disclosed in the Credit Application is true, complete and accurate to the best of your knowledge, and you agree that the information is material to the Seller's decision with respect to granting or denying your Credit Application. You authorize and consent to a credit check and employment verification and authorize the Seller (or any assignee, transferee, or successor of Seller, including servicing centers) to periodically order, gather, update and review your credit history and employment history/status. By providing your email address, you consent to receive email communications about your ACCOUNT. Until your ACCOUNT is paid in full, you authorize all banks, credit bureaus, Sellers, employers, references and all other persons and information sources to provide and release any and all information concerning your credit, financial, employment and contact information.
The undersigned applicant(s) hereby acknowledges and represents his/her acceptance and agreement with all of the authorizations, terms and conditions contained within the Credit Application, this Addendum and the ACCOUNT, and acknowledges having filled out, read and understood the same and received a true and correct copy of this Addendum and all other ACCOUNT-related documents signed.
Si esta transaccion fue hecha en espanol, certifico que yo he recibido una copia de este apendice en espanol al dorso. Ademas, si necesito una traduccion en espanol de este acuerdo, es mi responsabilidad no firmar la version en ingles y pedir la version en espanol.
By signing this application to open an account:
Electronic Signature ______________________ Date ____________
(c) 2022 THE BOSS COMPANY DBA Max Credit Solution. All rights reserved.