eclubUSA

Terms & Conditions | eClubUSA

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eClubUSA is a membership benefit and credit program that provides interest-free financing for 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.

MEMBER SERVICES

That shall be provided to you during the course of your membership include interest-free financing of up to 85% on computer systems and other electronic products and vacations, including air and hotel packages, cruises and land only resorts. A down payment from 15% to 25% is required before any products are shipped or travel services provided. eClubUSA reserves the right to change the terms and conditions of membership and/or materials at any time.

DESCRIPTION OF MEMBERSHIP

Membership is provided by eClubUSA a dba of Players Vacation Club, Inc. a US corporation. Membership shall remain valid so long as the annual membership fees are paid, the use of any credit extended member has been paid in a timely fashion and the personal and financial information provided by the member is factual and correct. Incorrect or misleading information that results in eClubUSA denying financing may result in the forfeiture of any membership refunds due member at the discretion of eClubUSA. Membership is available to US residents only, who agree to the terms and conditions of membership, qualifies with a combined household income of over $2,200 a month, has a valid US checking or credit card account, is over 18 years of age, has proof of income for a minimum of 6 consecutive months and has paid the necessary fees for enrollment. EclubUSA is not a credit service, financial or banking institution. The account is a line of credit that can be used by a member of our organization to shop exclusively at the eClubusa shopping club web site.

BASIC MEMBERSHIP

The method to access and join our membership varies from limited trial offers to one time fee requirements. The membership first year’s enrollment fees can also vary depending on benefits and affiliate program we are providing at the time of enrollment or the promotion. Please review the terms and conditions from where you accessed our program to find full disclosure information. All members agree to have their checking or credit card account of record automatically drafted annually for membership fees required upon acceptance of these terms, as listed on the order form, and prior to financing approval on any product or service. Your Membership in eClubUSA may be renewed annually at the then current pricing of $89.00. eClubUSA reserves the right to change the terms of the renewal fee at any time and without notice. A 30 day notification will be mailed to your address of record prior to renewal.

AMOUNT OF CREDIT

Amount of Credit extended to the member shall not exceed $3,500 at any given time. Because we require no credit checks for membership the amount of the first purchase and net financing allowed will not exceed $1,400.00. 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 down payment. The Credit line is not intended to be used like a normal credit card. The BASIC CREDIT USAGE allows a member to make payments on an initial first time purchase, create six months of good payment history, then using the remaining credit balance for financing on future products or travel services upon the establishment of a positive payment history with us. BASIC CREDIT USAGE for all members does not require a credit check and therefore all members agree to a comprehensive verification by us of the personal and financial documentation required for all financing and provided by you to us as proof of; income, employment, residence, and legal age, in an effort to determine your ability to repay credit terms as agreed to.

RETURNED, NSF OR CREDIT/DEBT CARD DENIALS

In the event that your enrollment/processing fees are returned due to non-sufficient funds or over the limit reasons, eClubUSA may immediately attempt to collect the amount by presenting the ACH authorization or credit card charge a second time to your original banking institution. You agree and understand that we are not responsible for overdraft chares issued by your bank. Should we not be able to collect the enrollment fee we will automatically continue you in our Tri-Value Program at a fee of $14.95 providing you with uninterrupted credit services. Any member with NSF activity may be subject to a higher deposit on any financed products or services.

BASIC USAGE

of the member financing is only available to the member listed on the account of record. You agree that you will use eClubUSA only on your own behalf and for the members of your immediate family who reside in your household. eClubUSA reserves the right to ask for additional deposits if your membership or payment history reflects any negative activity. Any fees or product payment returned to us NSF or un-paid for any reason may disqualify you from any future financing.

PREMIUM FINANCE & PAYMENT TERMS:

Members wishing to extend their credit and or payment terms beyond our BASIC USAGE TERMS policy may submit their request to do so and would agree to allow eClubUSA a standard credit check via Trans Union to assist in our determining your credit worthiness. A minimum credit score of 650 must be achieved to qualify for our premium finance & payment terms. eClubUSA reserves the right to deny any request for PREMIUM FINACE TERMS to anyone at any time should we choose to do so.

PAYMENTS TERMS:

All members agree to have their checking or credit card account of record automatically debt monthly for any product or service with which credit terms have been extended until such payments terms have been satisfied in full as described in the purchase agreement. Premium payment terms may be extended to those members who request such as outlined in these terms and conditions and may include election of receipt of monthly statement via US postal service in lieu of automatic electronic debt (Please see PREMIUM FINANCE & PAYMENT TERMS).

PROBATIONARY CREDIT TERMS:

eClubUSA reserves the right to place those members who have established a negative payment history by reducing the amount of credit available to $800 on any financed purchase and may increase the required deposit amount to 50%. Negative payment history includes (1) any returned NSF payments (2) any account of record closure, including but not limited to purchase agreement payments, monthly membership fees, and enrollment fees.

CANCELLATION POLICY!

You can cancel within 30 days to stop all future fees and receive a full refund on moneys collected. If you cancel after 30 days any refund will be prorated and a refund will be issued based on the unused portion of your enrollment fee. The monthly maintenance fee is not refunded but will be stopped immediately upon cancellation. Please be aware that emails sent to eClubUSA are not answered by a live representative and will not be accepted as a valid form of canceling your membership. Any cancellation must be made with a live representative on the phone or in writing. ANY PERSON(s) who have used the finance option of this membership may not cancel their membership during any period of a year for which payments are being made. The Customer Service phone number that is located on our member web site is available Monday - Friday 9am - 5pm (PST) or you may write us at Membership Services, 501 West Broadway, Plaza A, Suite 321 San Diego, CA 92101.

Note: Members who have activated their extended warranty through warrantech will have $99 withheld from any refund due should you choose to cancel your membership.

ANY PERSON(s) who have entered into a purchase agreement for any product or service may not cancel their membership during any period of time for which payments are still outstanding.

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 or credit card 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 eClubUSA and the member will be sent for signature for each item financed by the member.

CREDIT BUREAU REPORTING

I understand that the company is a subscriber to a Credit Bureau(s) and that my new account as well as my monthly payment history will be reported to the Credit Bureau(s). The company reserves the right to not report your account to any credit bureau.

eClubUSA reserves the right to not report your account to any credit bureau for any reason should we elect. Member agrees that should there be a perceived discrepancy with any of the information reported to credit agency with regard to their account with eClubUSA member shall in writing submit to us a request to verify and or correct any information that may be inaccurate or incomplete. Please mail all requests to:

eClubUSA Finance Dept.
501 W Broadway Plaza A
Suite 321
San Diego, CA 92101

DEFAULT ON ACCOUNT

I will be in default if: a) I fail to pay the " monthly payment" when due; or b) I breach any of the Terms and Conditions of the Purchase Agreement. If I am in default, then upon compliance with applicable law, eClubUSA has the right to: a) demand me to pay 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 eClubUSA by the due date. If this occurs, a $15.00 late fee may be charged against my account.

IDENTITY PROTECTION

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. Photocopy of valid state issued drivers license or identification card. 2. Photocopy of your federally issued social security card. 3. Photocopy of a current utility bill in your name and showing your current address. 4. Photocopy of a current pay stub in your name and showing a minimum of 6 months of employment.

Our underwriting 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 you the member and us against Identity theft and fraud.

Security Interest: eClubUSA, to the extent legally permissible, retains a security interest in all merchandise charged on your account until the balance is paid in full.

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.

TRAVEL-RELATED RESPONSIBILITY AND LIABILITY:

eClubUSA (a dba acting through its parent company Player's Vacation Club, Inc.) shall have no liability in regard to any services provided by any vendor. You agree that any claim with regard to travel services shall be made against the vendor of such services and not eClubUSA; eClubUSA's sole obligation hereunder shall be to forward to the vendor all payments for services ordered and forward to you all the necessary travel documents. The hotels, carriers and other travel providers that supply services in connection with these vacations are independent contractors and are not agents of eClubUSA. All coupons, receipts, passes, and tickets issued by hotels, carriers and other suppliers are issued on the terms and conditions specified by the suppliers. eClubUSA does not have the authority to alter those terms. eClubUSA is not responsible for personal injuries, loss or damage of property, inconvenience or expense resulting from matters beyond its control, such as, acts of terrorism, defects in vehicles, breakdowns in equipment, government actions, strikes, theft, changes in itinerary or schedules, inclement weather and acts of God. eClubUSA may, in its sole judgment, make any changes and cancellations to vacation programs and schedules that it believes necessary. Individual programs and travel benefits within the eClubUSA membership program may be subject to separate terms and conditions and may be altered or substituted with products or services of equal or better value without prior notice to a member.

NOTICE FOR COMPUTER PRODUCTS

WARRANTY INFORMATION

Click the follwoing link to see our eClubUSA compputer warranty card. WARRANTY CARD

SHIPPING:

*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. eClubUSA is not liable for any damage to any product purchased incurred during shipping. All damage claims must be filed with the shipping company (UPS). Ship-To Prohibitions: Please be informed that your designated ship to address must reflect the address on the PURCHASE AGREEMENT. eClubUSA will not process any order that specifies an address of freight forwarder, warehouse, distribution center, airport, or 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 us 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. eClubUSA 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.