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About Us - Our Terms & Conditions
HO ARE WE?
Yes Credit Store Corporation is a Florida corporation accredited and enjoying A+ ratings by the Better Business Bureau. The company maintains executive offices located at the Bank of America Building 50 N Laura Street-25th Floor Jacksonville, FL 32202 877.973.1222. The company is managed by experienced active and retired professionals with careers in investment banking, accounting, law, management, marketing and administration. The company mission is providing working families a level playing field for pay-over-time big-ticket consumer durable purchases. The company has been serving working folks and retirees since 1988 with a flawless record of customer service.
YES CREDIT STORE CORPORATION operates PayOverTime.Club and offers two ways to shop: 1) Shop our featured products, add-to-cart and checkout by selecting WeGetFinancing as your payment method or 2) Shop Amazon for exactly what you want, place your special order through us and checkout by selecting WeGetFinancing as your payment method. Each order must have at least one product with a value of $200 or more. Our solutions offer a broad range of approvals.
COMPANY HISTORY
In December 2000, the company began in Florida leasing-to-own personal computers for 120,000 eligible government employees. Perfect credit was not required, and customers repaid the company systematically through payroll deductions (no longer offered) from their government paychecks.
In 2008 the company expanded into California. During 2018 the company expanded further by becoming a sponsored employee supplemental benefit for more than 100 million US employees employed by many of the country's largest employers. Beginning 2020, PayOverTime.Club expanded their marketing nationwide through social media to working folks and retirees.
SERVICES OFFERED/OUR TERMS & CONDITIONS:
PAY-OVER-TIME/FICO CREDIT SCORES 600+ MAY APPLY and get an instant decision with affordable payments for those with less-than-perfect credit. Upon approval of your lease-to-own agreement, funds will be sent to us electronically in 2-3 business days, and orders are placed for shipment or store pick-up, sometimes as soon as same day. We do not accept credit or debit cards as payment.
PRICE CHANGES - Amazon prices change in real-time and accordingly, prices displayed by PayOverTime.Club may change between the time customers shop and when they sign their pay-over-time agreement. Customer prices are determined when the order is placed.
FULFILLMENT (CERTAIN PRODUCTS MAY INCUR A DELIVERY FEE) - Generally UPS, FedEx and USPS shipments are 2-5 business days. Certain furniture and major appliances may take a little longer. Delivery tracking updates are sent to customers automatically by email or text. Customer application information must include a valid personal email address and phone number. Furniture and other oversize or heavyweight purchases may be shipped front porch, curbside or just inside customer's door depending on products ordered. Customers should be sure to read ALL shipping information for each specific product. Customers requiring white glove delivery service must ask when placing orders.
MAJOR APPLIANCE HOOKUP KITS and hookup services are an extra charge, and customers should consider adding any extras when placing their order. Removal of old appliances is an extra charge and must be arranged in advance by our team.
PRIVACY POLICY - Customers can rest assured their privacy and personal information is secure and protected. Information collected on this site or through our sales process is kept secure and confidential. We do not collect any financial information. Third-party financing options offered through our checkout process are transacted between the customer's IP Address and the financing or leasing company's IP address and not collected by our secure platform. Our records are encrypted and stored in a secure cloud environment. Customer information is never sold or disclosed to third parties outside of our process. Information transfers are by fax or encrypted email files. If customers have any questions about their records security/privacy please contact our general manager directly at 877.973.1222 option 3.
RETURN POLICY - Product Returns or exchanges must be arranged by contacting service@yesstore.club or calling 877.973.1222 within 14 days of purchase. If customers are dissatisfied with their order for any reason, they can return products, provided packaging is unopened. Customers must be sure to read product carton contents labels before opening or they may be financially responsible for returns. Open boxes or broken product seals may prevent returns from being accepted. Furniture orders, deliveries and returns are subject to strict rules and restocking fees customers must review at time of purchase.
DAMAGED IN SHIPMENT GOODS - If products are damaged in shipping and there is a cost increase after the date of the original order shipment and shipment of the replacement, it will be the customer's decision whether to pay/finance the price increase, shop for another item or cancel all together.
GENERAL INFORMATION ABOUT WARRANTIES - Generally, all our products have an original manufacturer's warranty. Customers must keep the original product cartons for transporting or shipping products for warranty repairs or coverage may be void. Most consumer electronics manufacturer's warranties do not cover screen damage, unprotected power-surge damages or damages from unprotected viruses. Customers add extended warranty protection at the time they place their order. If customers have any questions, please call us at 877.973.1222.