Retail Installment

Disclosure - Please read and agree (Scroll)

WELCOME TO RENT OR OWN, INC. (ROO) AND A+ Financial Services, Inc. and its affiliated corporations (A+).
We extend to you a hearty welcome to the people, products and services of Rent or Own, Inc. and  A+ Financial Services, Inc. and its affiliated corporations (collectively, "A+"). We are locally owned and operated in Georgia. Our employees are hired locally and contribute to our local economy. Thanks for your inquiry and interest!
Our customer service representative will be happy to assist you with the many
financial products and services that we offer. If certain ones interest you, our customer
service representative will ask you to complete appropriate forms and applications. As
part of the application process and as required by federal law, we will provide you with
certain disclosures about your legal rights and we will need to obtain your consent before we can provide you with certain of our products and services.
This package contains the following forms for your information and protection.
You will need to complete certain of them in order for us to provide the financial
products and services that you may request. Should you have questions about any of
these forms, we encourage you to discuss your concerns with your customer service
representative before proceeding to complete a particular form:

1. General Information about you, which we will use to establish our
customer/business relationship with you, which, in turn, will allow us to
contact you about changes and additions regarding our products and services.

2. Privacy Policy of A+, which explains how we protect your privacy and the
security of your nonpublic personal information. In addition, our Privacy
Policy allows you to opt-out of our ability to share certain of your financial
information with select third parties, which provide products and services that
might be of interest to you.

3. Georgia Retail Installment Contract and ACH/EFT/Debit or Credit Card Authorization Form, which specifies the terms and  understanding of the retail installment agreement and authorizes us to make electronic transfers from your checking account or debit/credit card to pay fees and charges owed to us and others.


ROO / A+ GENERAL CUSTOMER ACCOUNT INFORMATION AND AGREEMENT
Phone: 678-720-9006 Fax: 770-674-7600 Website: www. MyBudgetCenter.com

Based upon your request and inquiry, ROO/ A+ have agreed to provide information to you about its financial products and services. You hereby consent to our communications to  provide you with  updated information about its products and services as well as any changes that may occur in the future, You, the undersigned Applicant, have inquired about certain financial products and services and have expressed interest in establishing a customer/business relationship with either Rent or Own, Inc. (ROO) or A+ Financial Services, Inc. and each of its affiliated corporations, A+ Auto Insurance Agency, Inc., A+ Loans, Inc. (collectively, "A+" or "we" or "our").  In order for "ROO" or "A+" to process your application for our financial products and services, we require the information (listed below this agreement) from you, which you hereby agree to furnish to ROO/ A+ in consideration of the products and services to be offered and (if your application is accepted) furnished by ROO/ A+ to you:

Furthermore you agree to receipt of periodic marketing information from ROO / A+, whether communicated by means of your residential telephone, mobile telephone, email, facsimile, or a text message. You understand that you may revoke your consent at any time by providing written notice thereof to ROO / A+ at the following address: Compliance Officer, A+ Financial Services, Inc., P.O. Box 492769, Lawrenceville, GA 30049; or you may visit us on line at www.MyBudgetCenter.com to revoke your consent.  As a consumer you are not required to create, send, receive, recognize, accept be bound by or otherwise use electronic signature or records without your consent. You hereby agree that your signature on any A+ form or document, whether original or electronic, shall constitute your valid and legally binding signature and that this signed form, if stored on electronic media, will have the same validity and legal effect as the original form. 

NSF and Electronic Declination Fee Agreement:
With respect to your attempted payment for any product or service offered by ROO / A+ if your check or authorization instrument is returned unpaid, for any reason, we may elect to re-present the returned draft up to two more times. In such event, you hereby agree that we may collect a declination fee or NSF fee from you in an amount not to exceed $30.00 for each and every time that we resubmit your initial or subsequent check or electronic authorization for acceptance and it is returned unpaid, to the extent that such fee is permitted by state law. Similarly, should we elect to process your payment by means of electronic funds transfer ("EFT") or automated clearing house ("ACH") and your electronic payment is refused, you hereby agree that we may charge your account an electronic declination fee in an amount not to exceed $30.00 for each and every time that we submit your initial payment (or any subsequent payment) for acceptance and it is refused, to the extent that such fee is permitted by state law. To the extent permitted by state law, you hereby agree that A+ may charge you an amount not to exceed $30.00 for each returned payment, excluding, however, any additional fees for resubmissions.

Right to Collect and Apply any Balances Owed Agreement:
To the extent permitted by law, you hereby authorize ROO / A+ to offset outstanding balances owed by you against your credit balances and assets maintained with ROO / A+ and further, you authorize A+ to contact persons having dealings with you and to obtain any needed credit reports, in connection with products or services requested by you or our collection of outstanding balances owed by you. In the absence of your prior written instruction, we will apply any payment received from you to any ROO/ A+ entity with a negative balance then showing on its books. Any payment received from you shall be applied first to unpaid interest, then to unpaid costs and fees, and then to any principal balance owing by you. If authorized by you, we will also pay amounts that you might owe to any company with which A+ has a collection and payment agreement,


Revised 4-4-12
I have read and agree to the above disclosure:
Go to www.MyBudgetCenter.com
A+ Financial, Inc..