Financing Program

 

Welcome to Lovely Melanin Company LLC! We are pleased to offer financing options for our diverse range of products and services, including natural products, arts and crafts, clothing and accessories, custom creating services for art and t-shirts, coaching services, nature products, content, eBooks, and classes. This policy outlines the terms and conditions of our financing program through the Shop App.

1. Eligibility

To qualify for financing, customers must:

  • Be at least 18 years old.
  • Have a valid government-issued ID.
  • Provide accurate and complete personal and financial information.

2. Financing Options

We offer flexible financing plans through the Shop App, allowing you to spread the cost of your purchase over time. Financing options include:

  • Installment Plans: Pay for your purchase in equal monthly installments over a specified period.
  • Deferred Payment Plans: Delay your first payment for a set period, with subsequent payments spread over the remaining term.

3. Application Process

  • Application: Customers can apply for financing directly through the Shop App during the checkout process.
  • Approval: Approval is subject to credit checks and other criteria set by our financing partners. Customers will be notified of their approval status within minutes.
  • Agreement: Upon approval, customers must review and accept the financing agreement, which outlines the terms, interest rates, and repayment schedule.

4. Payment Terms

  • Billing Cycle: Payments are due monthly, according to the schedule outlined in the financing agreement.
  • Payment Methods: Accepted payment methods include major credit cards and other options available through the Shop App.
  • Late Payments: Late payments may incur additional fees and interest. It is the customer’s responsibility to ensure timely payments.

5. Interest Rates and Fees

  • Interest Rates: Interest rates vary based on the financing plan and the customer’s credit profile. Rates will be clearly disclosed in the financing agreement.
  • Fees: Additional fees, such as late payment fees or processing fees, will be detailed in the financing agreement.

6. Cancellation and Returns

  • Cancellation: Customers can cancel their financing agreement within a specified period (e.g., 14 days) without penalty. After this period, cancellations may be subject to fees.
  • Returns: If a financed product is returned, the financing agreement will be adjusted accordingly. Refunds will be processed according to our return policy, and any remaining balance will be the customer’s responsibility.

7. Customer Responsibilities

Customers are responsible for:

  • Providing accurate and up-to-date information during the application process.
  • Ensuring timely payments according to the financing agreement.
  • Contacting customer support for any issues or changes related to their financing plan.

8. Contact Information

For any questions or concerns regarding financing, please contact our customer support team at Lovely Melanin Company LLC.