Credit Details

Figi’s Gallery Credit Terms Effective January 1, 2024

Eligibility
The Figi’s Gallery three payment plan is only available to residents of the USA, US territories, and APO and FPO addresses who meet Figi’s Gallery credit standards. No interest is charged by Figi’s Gallery on the three payment plan.

Credit Reports
You give Figi’s Gallery permission to investigate your credit standing by obtaining a credit report or by directly contacting others who have information about you in connection with your application for credit and later in connection with any renewal or extension of credit or the review or collection or your account.

Late-Payment
If you fail to make the Minimum Monthly Payment required on your invoice by the due date, you will be subject to a late fee not to exceed the lesser of the minimum monthly payment or the amount that is allowable by law. At no time will the LATE FEE be higher than $15.00 per each late or missed payment on your account. Subject to the above, if you live in one of the following states your LATE FEE will be as follows: AR, FL, MT, NJ - $10 after 10 days; AK, CO, CT, DC, GA, ID, IN, LA, MI, MS, ND, NH, NM, NV, NY, OK, OR, PA, SD, TN, VI, VT, WA, WI - $15 after 10 days; CA - $15 after 15 days; AZ, KS, MO - $5 on balances of $25 or less, $10 on balances over $25 after 10 days; AL, IL, KY - the greater of $10 or 5% of installment after 10 days; HI - the lesser of $15 or 5% of installment after 10 days; IA, PR UT - $15 after due date; MA - the lesser of $10 or 10% of minimum payment after 15 days; ME – the lesser of 5% of the unpaid balance or $10 after 15 days; MN - the greater of $7.80 or 5% of unpaid balance after 10 days; NC - $5 if unpaid balance is $100 or less, $10 if above after 30 days; NE - the greater of 5% of installment or $5 after 10 days; OH - the lesser of 5% of installment or $3 after 10 days; SC - the lesser of $15 or 5% of balance after 10 days; RI - $12 after 40 days; TX - $10 after 21 days; VA - 5% of installment after 7 days; WV - the lesser of $15 or 5% of installment after 10 days; WY - the greater of $10.00 or 5% of unpaid installment after 10 days.

Non-Payment
If you fail to make your payments when due, or upon your default if otherwise defined by applicable law, or upon your becoming insolvent of the subject of bankruptcy or other insolvency proceedings, Figi’s Gallery will have the right to refuse any further credit and, after giving your notice and opportunity to cure the default required by applicable law, the right to declare your account and all orders immediately due and payable.

Communication Consent
You authorized us, our affiliates, agents, and others calling at our request or on our behalf to contact you at any number or email address you have provided to us for the servicing, management and/or collection of your account. We may contact you in any manner consistent with the information we have obtained, including e-mail, telephone calls and text messages. We may use automated technology for the purpose of contacting you, including but not limited to automatic dialing or similar equipment. We may monitor or record calls from you to us and calls from us to you.  When you give us your mobile telephone number we may contact you at the number using automated dialing equipment and we can leave pre-recorded or other messages, even if you are charged for it by your provider.

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.

Overdrafts
There will be an overdraft charge added to your account for each check, order, or electronic payment instruction returned to us by your bank or otherwise not honored by your bank. The fee charged to you depends on the state in which you live and will not exceed the lesser of the minimum payment amount, the face amount of the check or other payment instrument, or the maximum fee allowed in your state. The maximum fee will be $25 if you live in one of the following states: AK, AL, AR, AZ, CO, DC, FL, GA, HI, IL, IN, KS, KY, LA, ME, MI, MN, MS, MT, NC, ND, NH, NV, OH, OK, OR, PR, RI, SC, TN, VA, VI, VT, WA, WI, WV, WY. The fee is $20 if you live in one of these states: CT, ID, NJ, NY, SD, UT. The fee IS $15 if you live in one of the following states: CA, MD, MO, TX.

Payments
Each month you must pay at least the Minimum Monthly Payment, plus any past due amounts, by the due date shown on your monthly statement, a payment will be considered "on-time" if we received it by 5 p.m. on the due date. Your Minimum Monthly Payment amount is calculated based on your Highest Net Purchase Balance (this is your purchases minus any returns) since your account was last paid in full. This Minimum Monthly Payment amount is calculated as shown in the box above and will not decrease until your Highest Net Purchase Balance goes down OR your account is paid in full. Payments in excess of the minimum will reduce your balance and FINANCE CHARGES, but will not prepay or be applied against future Minimum Monthly Payments.

Late Fees
If you fail to make the Minimum Monthly Payment required on your statement by the due date, you will be subject to a late fee not to exceed the lesser of the minimum monthly payment or the amount that is allowable by law. At no time will the LATE FEE be higher than $15.00 per each late or missed payment on your account. Subject to the above, if you live in one of the following states your LATE FEE will be as follows: AR, FL, MT, NJ - $10 after 10 days; AK, CO, CT, DC, GA, ID, IN, LA, MI, MS, ND, NH, NM, NV, NY, OK, OR, PA, SD, TN, VI, VT, WA, WI - $15 after 10 days; CA - $15 after 15 days; AZ, KS, MO - $5 on balances of $25 or less, $10 on balances over $25 after 10 days; AL, IL, KY - the greater of $10 or 5% of installment after 10 days; HI - the lesser of $15 or 5% of installment after 10 days; IA, PR, UT - $15 after due date; MA - the lesser of $10 or 10% of minimum payment after 15 days; ME – the lesser of 5% of the unpaid balance or $10 after 15 days; MN - the greater of $7.80 or 5% of unpaid balance after 10 days; NC - $5 if unpaid balance is $100 or less, $10 if above after 30 days; NE - the greater of 5% of installment or $5 after 10 days; OH - the lesser of 5% of installment or $3 after 10 days; SC - the lesser of $15 or 5% of balance after 10 days; RI - $12 after 40 days; TX - $10 after 21 days; VA - 5% of installment after 7 days; WV - the lesser of $15 or 5% of installment after 10 days; WY - the greater of $10.00 or 5% of unpaid installment after 10 days.

Over-the-Limit Fees
If you exceed your credit limit, we will not charge you an over-the-limit fee.

Default
If you fail to pay the Minimum Monthly Payment when due, or upon your default if otherwise defined under Applicable Law, or upon your becoming insolvent or the subject of bankruptcy or other insolvency proceedings, Figi's® Gallery will have the right to refuse to extend any further credit and, after giving you any notice and opportunity to cure the default required by Applicable Law, the right to declare your account immediately due and payable.

Additional Provisions
These rules are the contract which applies to all purchases on your Account. Figi's® Gallery may close your Account to future purchases or limit their amount. Figi's® Gallery may amend these rules from time to time by sending you advance written notice, and to the extent the law permits your use of the Account thereafter will indicate your agreement to the amendments. To the extent the law permits, and Figi's® Gallery indicates in its notice, amendments will apply to your existing Account Balance as well as to future transactions. The Applicable Law governing your Account is the law of the state of your address. We must be able to verify information you provide. When you have an account, we may get credit reports to update our records at any time, or to decide whether to give you additional credit or for other legitimate purposes.

Accord and Satisfaction
No payment by you or receipt of payment from you to Figi's® Gallery shall be deemed to be other than on account of the amount due, and no endorsement or statement on any check or any letter accompanying any check or payment by you shall be deemed an accord and satisfaction, and Figi's® Gallery may accept such check as payment without prejudice to Figi's Gallery right to recover the balance of such installment or payment or pursue any other remedies available to Figi's® Gallery.

Arbitration
All disputes, claims or controversies arising from or relating to these rules or the relationships which result from this purchase contract, the validity of this arbitration clause, this purchase contract or these rules, shall be resolved by binding arbitration to be conducted between you, individually, and Figi's® Gallery, except for actions by Figi's® Gallery to enforce your payment obligations upon declaring your Account in default and due and payable. All arbitration under this provision shall be conducted under the auspices of a single arbitrator selected in accordance with the procedures of the American Arbitration Association and shall be conducted pursuant to the Commercial Arbitration Rules of such organization. This arbitration provision is made in connection with a transaction in interstate commerce, and shall be governed by the Federal Arbitration Act. You agree and understand that you have a right or opportunity to litigate disputes through a court, but that unless specifically prohibited by law, you and Figi's® Gallery have chosen to resolve disputes through arbitration, except as provided above with regard to enforcement of payment obligations. FIGI'S® GALLERY AND YOU VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL IN CONNECTION WITH ANY AND ALL DISPUTES, CLAIMS OR CONTROVERSIES COVERED BY THIS ARBITRATION PROVISION. You agree and understand that all disputes arising under case law, statutory law (federal, state or local) and all other laws, including, but not limited to, all contract, tort and property disputes, will be subject to binding arbitration in accord with this provision. If you would like to obtain a copy of the procedures and rules of the American Arbitration Association, you can either make a written request directly to them at: American Arbitration Association, 13455 Noel Road, Suite 1750, Dallas, TX 75240-6620 or go to their website at https://www.adr.org.

IMPORTANT INFORMATION

Ohio Residents
The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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.

New York/Rhode Island/Vermont Residents
You agree to give Figi's® Gallery permission to access your credit report in connection with any transaction, or extension of credit, and on an on-going 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 at New York State Banking Department: 1-800-518-8866.

California and 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.

Texas Residents
To contact us about this Account call (866)-846-1409. This contract is subject in whole or in part to Texas law, which is enforced by the Consumer Credit commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207. Phone: (512) 936-7600. Contact the Commissioner relative to any inquiries or complaints.

Note
To help the government fight identity theft, the funding of terrorism, and money laundering activities, Federal law requires us to obtain, verify, and record information that identifies each person who opens an account. When you open or access an account with us, 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 other identifying information as needed.

YOUR BILLING RIGHTS - KEEP A COPY OF THIS NOTICE FOR FUTURE USE
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What to do if you find a mistake on your statement:
If you think there is an error on your statement, write to us at: Figi's® Gallery, 1251 1st Ave., Chippewa Falls, WI 54729. You may also contact us here: https://www.figisgallery.com/customer-service/contact-us.

In your letter, give us the following information:

• Account Information: Your name and account number.
• Dollar Amount: The dollar amount of the suspected error.
• Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us:

• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

What will happen after we receive your letter:
When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error:
1. We cannot try to collect the amount in question, or report you as delinquent on that amount.
2. The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
3. While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
4. We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

• If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.
• If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.