Buy Now, Pay Later Terms and Conditions

Please read these Terms and Conditions carefully before applying for the Buy Now, Pay Later (BNPL) plan. By applying for this payment option, you acknowledge and agree to be bound by these terms and conditions.
1. Eligibility:
a. To be eligible for the BNPL plan, you must be at least 18 years old and a resident in the United States of America.
b. You agree to provide accurate and up-to-date information during the application process and warrant that you have the legal authority to enter into this agreement.
2. Application Process:
a. To apply for the BNPL plan, you will be required to provide personal information such as your name, contact details, income, and personal identification.
b. By submitting your application, you authorize us to verify your personal and financial information using third-party sources.
c. We reserve the right to decline your application if the provided information is incorrect, incomplete, or does not meet our eligibility requirements.
3. Purchase and Payment:
a. Once your application is approved, you may make purchases using the BNPL plan within the available credit limit assigned to you.
b. You agree to make the minimum payment specified in your monthly statement. Failure to pay the minimum payment may result in additional charges, and late fees, and may negatively impact your credit score.
c. The interest rate applicable to your purchases and any applicable fees will be clearly stated in your monthly statement.
d. You are required to make payments on time to avoid any penalties or default fees. Late payments may also impact your credit history.
4. Credit Assessment:
a. By applying for the BNPL plan, you authorize us to perform credit checks and share your information with credit reporting agencies as permitted by law.
b. We may periodically review your creditworthiness and may adjust your credit limit, interest rates, or other terms and conditions based on the assessment.
5. Returns and Exchanges:
a. The return/exchange policies of the merchant from whom you make your purchases are applicable, in this case, ‘us’. We are not responsible for any shipping costs, returns, or exchanges.
b. In case of any disputed charges, please contact us directly and follow our dispute resolution process.
6. Termination or Suspension:
a. We reserve the right to terminate or suspend your BNPL plan in case of a breach of these terms and conditions or if we have reasonable grounds to believe that the information provided by you is inaccurate or misleading.
b. Termination or suspension of the BNPL plan will not affect your obligation to make payments for the outstanding balance.
7. Privacy and Security:
a. We are committed to protecting your personal information and ensuring its confidentiality. Please refer to our Privacy Policy for details on how we collect, use, and disclose your information.
8. Limitation of Liability:
a. We will not be liable for any indirect, consequential, or incidental damages arising out of your use of the BNPL plan.
9. Governing Law and Jurisdiction:
a. These terms and conditions shall be governed by and interpreted in accordance with the laws of the applicable jurisdiction.