Square Deal Market

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Square Deal Market Return Policy

The Square Deal Market Return Policy varies by product. For a majority of our products, if a product upon delivery is damaged, defective, or varies from the product number you ordered, then you may return it by contacting us within 48 hours of time of delivery at no charge. For a majority of our products, if a product arrives not as described or perceived, it may be subject to a restocking fee up to 20% (plus applicable shipping and taxes). In any event regarding any return, it is important to contact us within 48 hours of delivery so we may assist you regarding your specific order and circumstance. Not all products are available for return. All products must be returned within 14 days of notification to Square Deal Market in order to receive credit for the return.

Square Deal Market stands in your corner to help achieve the best return outcome! We will help facilitate all return issues across our full assortment of products.

Contact us: customerservice@squaredealmarket.com

In the subject line, please indicate “Return” and the Order Number. In the body, please describe the reason for your return. We will respond with all required actions/notices/instructions regarding your return claim.

Returnable items:

Most non-personal & non-furniture products within 48 hours of delivery.
Most products, excluding specific brands, that are unused, in their full original packaging with factory seal still in place.

Non-returnable items:

Specific brands such as Coach, Gucci, Herschel, Lego, MCM, Marc Jacobs, Michael Kors, Propel, Stella McCartney, UGG, Vince Camuto, Zac Posen, Lenox, or flatware items. This is not an all-inclusive list.
Most beauty/personal care products
Jewelry, clothing and fashion items that have been used or worn.
Any furniture, mattress or freight item after they've left manufacturer warehouse, regardless of buyer's remorse or size constraints.
Any used electronic or musical items that have been removed from original packaging (unless damaged or defective).

Damage claims must be submitted to customerservice@squaredealmarket.com within 48 business hours of delivery, please immediately inspect your order once it has arrived. You may also work directly with your manufacturer or warranty provider to repair or replace the item.

All Apple items that are being returned as defective must be inspected by Apple before credit will be initiated. This process could take 2-3 weeks.

Freight delivery products (like furniture and large appliances) are not available for return once they leave the manufacturer’s warehouse. If your freight item arrives damaged, please refuse delivery and contact us within 48 hours of delivery attempt. Freight products are unavailable for shipment to U.S. territories, Alaska, Hawaii, and Puerto Rico.

Customers are not authorized to alter shipper delivery instructions, including, without limitation, to redirect the delivery of a package to an alternate address, to delay delivery, to authorize release of a package, or change a service level selected by the shipper.

Contact us: customerservice@squaredealmarket.com

In the subject line, please state “Return” and include the order number. In the body, please describe the reason for your return. We will respond with all required actions/notices/instructions regarding your return claim.

Frequently Asked Questions

What are the advantages of buying from Square Deal Market?

A massive assortment of products and top brands to find what you need. Better yet, combine that with our Easy-Pay Freenance opportunity when you register and you’re able to shop like a pro with a budget friendly tool that puts your mind at ease. Freenance means no credit checks, zero interest, and no hassles of traditional credit applications. Easy-Pay means low, worry-free automated payments timed to the day after your payday.

Square Deal Market a better store to find what you need and manage your budget worry free.

No Interest or Credit Score Check, what’s the catch?

It’s true. We don’t charge interest or finance fees and we don’t use credit bureaus to check credit scores. Note however that we reserve the right to verify any information you provide for purposes of ‘know your customer’ regulations.

Can anyone shop the Square Deal Market?

Yes, so long as your billing and shipping address is verified as USA.

Are there annual fees or subscription costs?

No.

How do I know if I’m eligible for Easy-Pay Freenance?

You are eligible if the following are true:

You are referred by an approved referral source.

You are 18 years of age.

Your minimum annual income level is $18,000.

You are actively employed at the time of purchase.

How do I know what my credit limit is? Simply register/enroll. After registration, we will immediately let you know what your Easy-Pay Freenance limit is. Generally, it is based on your annual income level and a few other factors. We try to ensure that you have enough spending limit to help you but not too much to get in you trouble. We generally keep your payments well below 5% of your paycheck.

How are payments calculated?

This is determined by a number of factors including our relationship with suppliers/manufacturers, product supply, as well as many other factors. Our goal is to couple a great price with an affordable, interest free, pay-over-time solution so you can get what you need without adding the cost and stress of credit card interest.

What happens to my payment plan if I return something?

If an item is returned within the return policy, we will refund any payments to your account and cancel the installment loan for that product. View our Return Policy here.

Can I pay in full at time of purchase?

Yes.

What if something costs $1,000 but my Easy-Pay Freenance limit is only $500?

We allow you to create a payment plan up to your credit limit. The remainder can be paid for at time of purchase using a separate form of payment.

Can I choose a shorter term loan?

Absolutely. We recommend paying off your purchases as quickly as affordably possible for your budget. The faster you pay back the loan, the faster you have more available Freennace limit for your next purchase or to simply know it’s there if you need it.

Is there a penalty to pay-off early?

No.

Do you report my credit to credit bureaus?

No. We do not use bureaus to check credit scores and we do not report your credit or payment performance to any bureaus. We may use various services to validate information that you provide us such as who you are and where you work.

What happens if I don’t pay or miss a payment?

Like all purchases you make, we expect to be paid in full. If we notice you missed a payment, we may remind you by email, phone or text. Missed payments will result in a fee of $25 (or lower amount as dictated by law in certain jurisdictions). Also, should we be charged any additional fees by your bank or processor for the missed payment, then we will add those to your next payment. You can always make up missed payments by going to the ‘Make a Payment Page’ within your ‘MyAccount’ area online.

Can I have multiple payment plans outstanding at one time?

Yes. So long as you have available Freenance limit and meet other guidelines of the program, you can have multiple payment plans.

Can my shipping address be different from my billing address?

Not at this time but we are working feverishly to make this available soon.

Are my items taxed?

Yes. We collect and remit taxes based on your home billing address and as required by Federal and State law.

Is shipping Free?

We discount shipping as much as possible, but it is not free.

What is your return policy?

This varies by merchandise type and manufacturer. Please inspect your product immediately upon delivery and contact us at customerservice@squaredealmarket.com should you be unsatisfied. Our agents will be happy to assist you with your concerns. Our full return policy can be found here.

Can I get assistance placing an order?

We attempt to make it easy to place your order on line. In the event you need assistance, you can call our customer service at: 800-697-0002 open 9am to 9pm CST Monday through Friday or by email any time: customerservice@squaredealmarket.com.

What if I lost my Username and/or Password?

Request a change here. If you are still having problems, then contact our customer service at: customerservice@squaredealmarket.com

Can I see my order history and status of my loan balances?

Yes. This information is made available to you on-line after you sign-in and click on the ‘MyAccount’ page.

What if I want to change my bank account information?

You can simply go online and make those changes on your bank profile section in the MyAccount page.

Can I suggest products that you don’t carry?

Sure. Email customerservice@SquareDealMarket.com We love hearing about what you’re looking for so we can try our best to provide the best assortment of products available for you and your colleagues.

How does Square Deal Market protect my security?

Square Deal Market is fully PCI Compliant, and conducts routine security audits.

Square Deal Market Terms and Conditions

Notice to User

You are advised to read the following Terms and Conditions carefully. By accessing the Square Deal Market (“SDM”) website or using SDM services, you agree to be bound to the following, whether or not you are a user of the website, a guest user, or a registered SDM Member:

The SDM Member Agreement
The SDM Sales Agreement
The Terms and Conditions provided herein
The SDM Privacy Policy.

This website and the services provided by SDM are for Registered SDM Members (aka Members). If you do not agree with the provisions above you are not authorized to access this website or to use any services provided by SDM.

Parties

This agreement establishes a contractual relationship between

Square Deal Market, LLC [“SDM”] with its principal place of business at:

9590 Lynn Buff Court.

Laurel, MD 20723

Phone: (800) 697-0002

And the Member

Terms

This contract may be referred to as the “Agreement.”

SDM and the SDM Member (aka “Member”) may collectively be referred to as the “Parties” or “Party” to this agreement. The term party also includes any parents, subsidiaries and affiliates, and their respective officers, directors, employees, agents and assigns.

User is defined, for purposes of this agreement, as an individual who has not yet established and been confirmed as an SDM Member. Any rights, responsibilities, limitations, or prohibitions applied to SDM Members, under the Terms and Conditions, will also apply to Users who are not SDM Members.

Scope

The Terms and Conditions found herein constitute a binding legal contract between SDM and the Member, and is in addition to any other agreements between SDM and the Member, including any Sales or Member Agreement, that govern the Member’s use of products, services, content, tools and information available on the website. If there is any contradiction between these Terms and Conditions and another agreement the Member enters into with SDM, the other agreement shall take precedence.

By accessing the SDM website the Member agrees that SDM may, from time to time, modify its Terms and Conditions and, therefore, the Member agrees to review SDM’s Terms and Conditions every time he or she accesses the SDM website. In the event SDM’s Terms and Conditions are modified, Member agrees to be bound to such Terms and Conditions. Whenever SDM posts modifications to its Terms and Conditions on this website, the Member will accept such posts as notice effective on the posting date, regardless as to whether he or she has received any prior notice or accessed the SDM website.

Capacity

By accessing this website the Member agrees that he or she has the legal capacity to enter into a contract and is 18 years of age or older.

Registration Process – Username and Required Information / Transaction Method (Checkout)

An SDM Registration Form is made available on SDM’s home page. Registration is limited to individuals who fulfill eligibility requirements and arrive via an approved referral source. The SDM Registration Form includes questions regarding applicant’s personal and employment information. SDM has the right to verify all information supplied by applicant to ensure that their eligibility conforms with program requirements.

Shipping and Return Policy

Can be found in the footer section of our homepage on SquareDealMarket.com

Trademarks and Intellectual Property

The Member agrees that SDM has exclusive rights and intellectual property interests over its name, logo, acronym, and materials and any use of the documents, logo, agreements, language, or facsimile thereof, without the express written permission of SDM, is prohibited and a violation of the Terms and Conditions of this agreement.

Conditional Use of Website, Member Portal, and Sales Checkout

As part of the conditions of your use of the SDM website, the Member agrees to comply with all the Terms and Conditions of this agreement and all applicable laws and regulations in connection with his or her use of the website. When you visit the SDM website or send emails to SDM, you are communicating with SDM electronically and consent to receiving communications from SDM electronically pursuant to SDM’s E-Consent policy. SDM will communicate with you by email or by posting notices on the SDM website (or by other means outlined in the Terms and Conditions). You agree that all agreements, notices, disclosures, and other communications that SDM provides you electronically satisfy any legal requirement that such communications be in writing to the extent permissible by law.

The Member agrees not to violate, attempt to violate or knowingly facilitate the violation of the security (including access control or authentication systems) or integrity of SDM’s website. In addition to all other Terms and Conditions of SDM’s website and products, the Member agrees not to register for more than one account, or register for an account on behalf of an individual other than the Member. The Member agrees not to impersonate or spoof the identity of another Member or other user of the SDM website, any employee, agent or representative of SDM or any other person, or otherwise mislead SDM as to their identity or financial status or condition, or attempt to do the same.

The Member agrees not to attempt or perpetrate an unauthorized incursion into the SDM website, including through hacking, password theft or any other means. Such unauthorized incursion, includes but is not limited to: Use SDM’s website or its documents or other accessible materials in any manner that could damage, disable, overburden or impair the SDM website or any SDM server or the network(s) connected to any SDM server or the availability or accessibility thereof, or that might interfere with any other person's access to or use or enjoyment of the SDM website or its documents or other materials contained therein.

As a condition on the continued use of the SDM website, the Member agrees that he or she shall not use, save, embed, transmit or send (whether on, to or through the Website), directly or indirectly, any material or file containing, or linked to, any virus, worm or any other computer, software or technological component, code, routine, script, malware, spyware, files, keystroke logger, Trojan horse, rootkit, application or program designed to intercept, interrupt, destroy, or limit the functionality of any computer software, network or hardware or telecommunications equipment.

Unless specifically authorized in writing by SDM, the Member shall not post any content of a promotional nature to the SDM website. SDM reserves the right, without any limitation, to remove, delete, and destroy any documents, data, materials, or posts that are transmitted to SDM by the Member.

By accessing the Member portal through the SDM Website or using the Sales Checkout service found on the SDM website, you acknowledge that you are an authorized Member and you will only use the services found on the SDM website consistent with its intended use and not for any unauthorized or illegal purpose.

Caveats

The User of the SDM website, or SDM Member, agrees that the sum total of any liability assessed against SDM cannot be greater than the total cost of merchandise paid for by the Member with respect to an individual purchase or purchases. The parties to this agreement agree that SDM is not liable for any special, incidental, or consequential damages, notwithstanding the limitations set forth in this clause.

The User of the SDM website, or SDM Member, agrees that SDM does not warrant or guarantee, in any way, the accuracy or completeness or availability of the content found on its website or elsewhere. The User of the SDM Website, or SDM Member, agrees that SDM shall not be liable, in any way, for errors, omissions, misleading statements, or any failure in technology. No action taken by SDM shall be construed to create any warranty or guarantee, without the express written consent of SDM.

Unless otherwise provided by SDM, SDM is not responsible, and will be held harmless, for any failure of a product to be fit for a particular purpose or be free from product defects, to the extent permitted by law.

The User of the SDM Website, or SDM Member, agrees that cookies may be used in order to enhance the user experience on the SDM website. By using the SDM website you acknowledge that Internet transmissions are never completely private or secure. You understand that any message or information you send to the website may be read or intercepted by others, notwithstanding SDM’s efforts to protect such transmissions. Further, SDM is not responsible for the privacy practices employed by other sites that may be linked to the SDM website.

Limitations on Liability against Corporate/Limited liability Agents and Personnel

The Member agrees that he or she will not bring any action or claim against SDM’s officers, principals, employees, agents, brokers, parents, affiliates, shareholders, LLC Members or member managers, successors, or assigns with respect to any losses, expense, or damage suffered with respect to the use of the SDM website or any document or instrument related, directly or indirectly, to SDM or one of its agents. The provision shall not be construed to limit, in any way, any warranty (implied or otherwise) by law, which may include exceptions under law for death, personal injury, or fraud.

Pricing and Substitution

SDM may substitute products when necessary and will may make changes to the product description without prior notice to the Member. Any errors in the pricing of the product will be corrected by SDM at the time of sale of the product to the Member. If the Member is not satisfied with the purchase he or she may return the product in accordance with the terms and conditions provided in the Sales Agreement, which contains limitations on returns concerning the product’s condition and costs associated with shipping and handling.

Disclaimer of Warranties and Limitations

SDM disclaims all warranties of any kind relating to the website or any of its products or services, whether express or implied, statutory or otherwise, including but not limited to any warranty of merchantability, non-infringement, and fitness for a particular purpose unless prohibited by law. The disclaimer provided herein does not apply to any product warranties offered by a manufacturer of a purchased item through SDM.

If any part of this disclaimer of warranties or limitation of liability is found to be invalid or unenforceable for any reason, then notwithstanding any other provision in the Terms and Conditions, the aggregate liability of SDM or its officers, principals, employees, agents, brokers, parents, affiliates, shareholders, LLC Members or member managers, successors, or assigns under such circumstances for liabilities that otherwise would have been limited shall NOT exceed two hundred and fifty dollars ($250).

Form of Communication

The Member agrees that the primary form of communication between SDM and the Member is through the SDM website or Member’s email account and, therefore, is electronic. By continuing to access the SDM website and using SDM services the Member consents to receive information, including solicitations and notices, through electronic means, such as the SDM website and the Member’s registered email account with SDM. The Member agrees that all terms and conditions, agreements, notices, disclosures and other communications that SDM provides electronically satisfies any legal or contractual requirement that such communications would satisfy if they were in writing. SDM agrees to use reasonable efforts to honor any request the Member may have to “opt out” from receiving emails. Member agrees that his or her sole remedy in connection with any email sent by SDM is to stop using the SDM website and services, and by invoking the “opt out” provision, as explained in the Electronic Communication Agreement, which outlines the requirement to contact SDM customer service.

Consent for Telephonic and Electronic Communication – Business Purpose Communications

In conjunction with the terms specified in the Electronic Communication Agreement found on the SDM website, by continuing to access the SDM website and using SDM services the person using the SDM website or SDM Member consents to receive account-related information, through email, text messaging, telephonic contact and messaging, and other forms of electronic communications, for the purpose including but not limited to: Account verification, updates to the Terms and Conditions, SDM product availability, notices, balance due, collections, order status, and order substitution information. In order to continue using SDM services and as a condition of membership in SDM, the SDM Member may not Opt Out of Business Purpose Communications. Continued use of the SDM website, portal, and member services is your acknowledgement and approval of these conditions. The SDM Member agrees that such contact may be through an authorized third party and may be in the form of the communications outlined above and/or automating dialing equipment and/or robo calls and/or email or SMS text blasts. The Member agrees that SDM may use the methods described herein notwithstanding the fact that such methods of contact may cause the Member to incur use charges with their carrier. The Member understands that he or she is required to consent to these terms as a condition for purchasing property, goods, or services offered by SDM.

Member consents to SDM sharing his or her contact information with third parties for the limited purpose of transacting sales, purchases, returns, and collections on delinquent accounts related to Member’s use of the SDM services and the SDM website.

As provided for in the Electronic Communications Agreement found on the SDM website, once a user of the SDM website becomes a SDM Member he or she may be contacted for Marketing Communications by SDM or its affiliated or approved Third parties, unless the Member “Opts Out” by contacting SDM’s customer service office.

Federal Truth in Lending Disclosure (Truth in Lending Act)

This section is intended to be compliant with the Truth in Lending Act and applicable regulations. The type of credit extended under the terms and conditions of this agreement and the Sales Agreement, separately executed by the Member, is intended to be a Closed-End Credit agreement as that term is used in Regulation Z (found in 12 CFR 1026). The Member is put on notice and agrees that all products purchased from SDM do not contain any added fees or interest charges to the cost of the goods sold. The Member will not pay more than the price reflected at the time of checkout, unless the Member misses required payments under the terms of the Sales Agreement, which is separately executed. Any fee for any unanticipated late payments will be specifically noted in the Sales Agreement and not considered as interest in accordance with federal law. A Member Sales Agreement will reflect:

ANNUAL PERCENTAGE RATE (The cost of your credit as a yearly rate)
0%
FINANCE CHARGE (The dollar amount the credit will cost you as a yearly rate)
0%
AMOUNT FINANCED (The amount of credit provided to you on your behalf)
This amount will be found in your (the Member’s) Sales Agreement
TOTAL OF PAYMENTS (The amount you will have paid after repayment is complete)
The total amount of your (the Member’s) purchase as reflected in the Sales Agreement. In cases where the Member’s employer limits payroll deductions to whole dollar amounts, your total amount of payments may be slightly more than the amount shown.
NUMBER OF PAYMENTS
The number of payments you have selected, as found in your Sales Agreement (e.g., 2, 4, 6, 8 or 10)
AMOUNT OF PAYMENTS
(The total dollar amount of your order) / (The number of payments you selected)
FREQUENCY OF PAYMENTS
Depending on whether you have a lump sum payment using a pre-authorized check, credit card; or payroll allotments through weekly, bi-weekly, semi-monthly, or monthly withdrawals based on your pay-cycle, payments will commence on your next scheduled draw or pay date or shortly thereafter.
OTHER PROVISIONS

There is no credit life or disability insurance offered as part of this transaction. You are not giving a security interest in the goods being sold to you. There is no prepayment penalty and, therefore, no credit returned to you in consideration of prepaying the amount owed under the Sales Agreement.

Standing Between the Parties

Conflicts of Law

The parties agree to waive any conflicts of law and recognize that the agreement shall be governed by, and construed under, the laws of the State of Maryland, Howard County. Both parties consent to the jurisdiction and venue in the state and federal courts of the State of Maryland.

Binding Arbitration

The parties agree, with the exception of injunctive relief, that any controversy or claim arising out of or relating to this agreement, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association of Maryland in accordance with its Commercial Arbitration Rules construing the laws of the State of Maryland (see Conflict of Law Clause in this agreement), and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. The parties agree that any arbitration under this clause shall be before a single arbitrator who shall also have the authority to award reasonable attorneys’ fees to the prevailing party.

Class Action Waiver

Member agrees not to bring, participate, or represent parties involving any dispute against SDM, or under the terms and conditions of this agreement, which will be brought before or arbitrated as a CLASS ACTION (including, without any limitation opting in or out of class actions). Member agrees not to bring any action or be a party to any actions against SDM, or under the terms of this agreement, as a private attorney general or other representative. Member agrees that all disputes against SDM, and pursuant to this agreement, shall be resolved, without regard to other available remedies, on an individual basis.

Indemnification

Each party to this agreement acknowledges that they have certain regulatory and contractual responsibilities. The failure of one party to this agreement to follow any applicable law, regulation, obligation, or mandate will not be imputed to the other party to this agreement. The party that fails to follow any applicable law, regulation, obligation, or mandate will indemnify and hold harmless the other party against any and all losses, obligations, costs, liabilities, damages, actions, suits, causes of action, claims, demands, settlements, judgments, or any other expenses, including but not limited to reasonable attorneys’ fees and costs, to the extent arising out of or resulting from the indemnifying party’s negligence or wrongful acts.

Severability

If a court of competent jurisdiction or any arbitrator finds any provision of this agreement to be invalid or unenforceable for any reason, the parties will reform that provision to the extent necessary to enforce it and preserve the parties’ original intent, failing which, it will be severed from this agreement with the balance of the agreement continuing in full force and effect.

Scope of Agreement

This agreement constitutes the entire agreement between the parties and neither party has relied on any oral representations in executing this agreement. Any amendments or alterations to this agreement must be dated, in writing, and signed by the parties.

Assignment

Unless specifically agreed upon by the parties in writing, Member cannot assign, transfer, or subcontract any obligation under this agreement.

Waiver

The failure of either party to this agreement to assert any right afforded under this agreement, or take any action to assert any rights under this agreement, shall not constitute a waiver of any such right, unless consented to by the party in writing.

Notices

Unless otherwise provided for in this agreement (see Membership Agreement and Form of Communication) all notices required under this agreement shall be sent by registered mail, return receipt requested, or by a nationally recognized carrier, such as FEDEX or the United Postal Service.

IN WITNESS WHEREOF, the parties have executed this Agreement as of your enrollment date and by checking the box that you understand accept and agree to these terms.

Square Deal Market Member Agreement

You have requested to become a Square Deal Market (“SDM”) Member of record. As a condition of your free membership in SDM you agree to all of the following:

The SDM Member Agreement outlined below.
The Terms and Conditions provided on the SDM Website, as modified
The Electronic Communications Agreement on the SDM Website, as modified; and
The SDM Privacy Policy, as modified.

You understand and agree that the services provided by SDM are for SDM Registered Members. If you are not a Member and/or do not agree with the provisions above, you are not authorized to access this website, or to use any services provided by SDM.

Parties

This agreement establishes a contractual relationship between

Square Deal Market, LLC [“SDM”] with its principal place of business at:

9590 Lynn Buff Court.

Laurel, MD 20723

Phone: (800) 697-0002

And the Member

Terms

This contract may be referred to as the “Agreement.”

SDM and the SDM Registered Member (aka “Member”) may collectively be referred to as the “Parties” or “Party” to this agreement.

The term SDM, Member, or Party also includes any parents, subsidiaries and affiliates, and their respective officers, directors, employees, agents and assigns.

SDM Member or Member is an individual (who may also be referred to as “you”) who agrees to the terms of this agreement and all other agreements and notices incorporated by reference and listed in this agreement.

Scope

This membership agreement constitutes a binding legal contract between SDM and the Member, and is in addition to any other agreements between SDM and the Member, including any Sales or Member Agreement, that govern the Member’s use of products, services, content, tools and information available on the website. Unless otherwise provided for in this agreement or the terms of any separate finance agreement between the SDM Member and SDM, if there is any contradiction between the terms of this agreement and another agreement the Member enters into with SDM, this agreement shall take precedence.

Capacity

To become a SDM Member you agree that you have the legal capacity to enter into a contract and you are 18 years of age or older.

Information Required for Membership

To process your registration application and maintain your account, on an ongoing basis, you must provide us with personal information. You agree that any information you provide will be current and accurate. We reserve the right to share non-personally identifiable, aggregate level data on all of our account holders. In the course of information verification, and as a condition to becoming an approved member, we may contact your employer for verification of employment and other eligibility criteria, which may include but not be limited to: earnings, leave balance, job status, and other withholdings from your current salary or wages.

We may use third party providers to verify the personal information you provide during the application for membership in SDM process. Although some of these providers may be considered consumer reporting agencies, during the application process, we do not pull consumer credit scores from the major credit bureaus and do not pull any information that will result in an inquiry on your credit report. By providing us your personal information and applying to become a member, you agree to allow us to verify this information at the time of your application, and if approved for membership, at future times to determine your continued eligibility to be a member. In determining your continuing eligibility, we may ask you to provide additional information. If we ask you for additional information and do not receive a response within a reasonable amount of time, we reserve the right to freeze or terminate your membership with or without notice. In the event you become delinquent in their account or repayment obligations, SDM may report your credit information to the major credit bureaus and third parties.

Available Credit to Use with SDM

If you are approved to become a SDM Member, you may be given a credit amount (aka Freenance limit) to use to purchase products through the SDM website as a SDM Member. The credit line (aka Freenance limit) you receive is the maximum amount of the potential credit SDM will make available to you to make purchases. This amount is never guaranteed, and the use of any credit associated with your credit line is determined at the time of purchase. The amount of potential credit associated with your individual membership and the ways in which that amount is determined is subject to SDM’s internal underwriting policies. SDM’s underwriting typically involves verification of certain factors related to your identity, income, and employment. SDM, in its sole discretion, may limit or revoke any extension of credit to a SDM Member at any time for any reason. Receiving a SDM extension of credit is not a guarantee SDM will enter into a credit transaction with you when you attempt to purchase. SDM reserves the right to require a minimum purchase in order to use your SDM Membership credit line, which may be subject to change at SDM’s sole discretion. If you have not met the minimum purchase amount for using your SDM credit line, you will still be afforded the opportunity to purchase the product(s) using other methods, as indicated by SDM, such as debit and credit card payments. All transactions are subject to prior approval by SDM.

Purchases from SDM

Unless prohibited by law, each purchase you make from SDM with an installment or pay-over-time plan is a separate extension of a closed-end credit transaction subject to SDM’s internal underwriting policies. Each pay over time purchase is reviewed by SDM as a separate extension of credit and is subject to approval, rejection, or modification.

Financing Purchases from SDM

Every pay-over-time Installment plan purchase you make with SDM can be paid over a defined period of months or installments, with no-interest, subject to any terms provided in the Retail Purchase Agreement. Additionally, based on our internal underwriting, we may offer you more than one financing option, which may include but is not limited to a longer repayment period, subject to the laws in your jurisdiction.

Marketing to SDM Members

In addition to the Terms and Conditions and Electronic Communications Agreements found on the SDM website, you consent to receive business and marketing communications, regardless as to whether you remain employed by the employer you have listed in this agreement. You agree that your sole remedy to stop marketing communications is to “opt out,” of such communications under the Electronic Communications Agreement. You agree that neither you nor your employer has limited your rights to receive business and marketing communications with SDM and SDM may share your information with its successors, assigns, and agents as it deems appropriate, subject to any “opt out” provisions. You agree to indemnify and hold harmless SDM or its successors, assigns, and agents in the event you were not authorized to receive or permit the transfer of information related to your membership or marketing availability.

Termination of Membership

In its sole discretion, SDM may terminate or freeze your membership at any time for any reason. Reasons for terminating or freezing SDM memberships, include but are not limited to:

Fraudulent Activity: SDM reserves the right to investigate any suspected fraud and to take action against a member who participates in any fraudulent activity.
Inactivity of Membership Account: If you have not accessed your account for a period of 120 days or more.
Incomplete or Missing Information to Establish an Account: If you have established a membership account but have failed to supply necessary information required by SDM to complete the account set-up.
Account Default: Your membership account will be in default if you miss a scheduled payment due under any outstanding SDM Purchase Agreement(s) you have with SDM. Accounts in default will be frozen until payments are made to bring any and all Purchase Agreement(s) current with no past due payments. If a SDM Membership Account goes into default several times over a certain period, SDM may elect to freeze the Account until it sees consistent repayment. If a SDM membership account remains in default for ninety (90) days or more with no payments made, it is subject to termination.

Standing Between the Parties

Nothing in this agreement shall be construed to create an employer/employee relationship between the parties. Neither party may authorize, obligate, or contract on behalf of the other party. Each party to this agreement will be solely responsible for complying with any applicable federal, state, or local laws, including but not limited to the payment of any taxes. Where obligated by law, SDM will collect sales taxes. However, you remain liable for any state or federal taxes on any transactions with SDM and will indemnify and hold SDM harmless for any unpaid or uncollected taxes related to any purchases from SDM

Conflicts of Law

Binding Arbitration

Class Action Waiver

Indemnification

Severability

Scope of Agreement

Assignment

Unless specifically agreed upon by the parties in writing, Member cannot assign, transfer, or subcontract any obligation under this agreement.

Waiver

Notices

Unless otherwise provided for in this agreement (see Terms and Conditions and Form of Communication) all notices required under this agreement shall be sent by email to the email address of record for SDM and the Member.

Electronic Consent

You understand and agree that in order to do business with SDM and be a SDM Member that along with this agreement, and others incorporated by reference into this agreement, you will submit to electronic signature or electronic check-off approval. By Clicking “I Agree” or other links assenting to SDM terms, you acknowledge that you received this E-Consent and that you consent to using electronic signatures, records, and disclosures. Additionally, by clicking "I Agree" or other links assenting to SDM’s terms, you consent to conduct transactions by using electronic disclosures, electronic records, and electronic contract documents ("Disclosures"). You may request documents and disclosures by paper by contacting our customer service division at customerservice@SquareDealMarket.com.

This E-Consent applies to all interactions online concerning you and the SDM website and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, SDM will process your information and interact with you electronically during all online interactions. SDM will also send you notices electronically related to its interactions with you, including any transactions. Disclosures may be provided online or through your designated e-mail address you have provided. By consenting to receive and send your signature or approval using E-Consent, you represent that you have compliant software to access, retain, and send E-Consent information as discussed herein. You agree to keep SDM informed of any change to your contact information.

Square Deal Market Electronic Communication Agreement

SDM Member Receipt of Electronic Communications

SDM Member agrees that by signing up to become an SDM Member, and continuing to use the SDM portal as an SDM Member, he or she agrees to the Terms and Conditions found on the SDM website. The Terms and Conditions provide, in part, the SDM Member agrees to receive all communications through electronic means. You are advised to read the Terms and Conditions carefully.

Purpose of Electronic Communications

The Member agrees that the primary form of communication between SDM and the Member is through the SDM website or Member’s email account and, therefore, is electronic.

Business Purpose Communications

By continuing to access the SDM website and using SDM services the Member consents to receive account-related information, through email, text messaging, telephonic contact and messaging, and other forms of electronic communications, for the purpose including but not limited to: Account verification, updates to the Terms and Conditions, SDM product availability, notices, balance due, collections, order status, and order substitution information. In order to continue using SDM services and as a condition of membership, the SDM Member may not Opt Out of Business Purpose Communications. Continued use of the SDM website, portal, and member services is your acknowledgement and approval of these conditions.

Third Party Contact

Member agrees that Business Purpose Communications may be through an authorized third party and may be in the form of automating dialing equipment and/or robo calls and/or email or SMS text blasts. The Member agrees that SDM may use the methods described herein notwithstanding the fact that such methods of contact may cause the Member to incur use charges with their carrier. Member consents to SDM sharing his or her contact information with third parties for the purposes of transacting sales, purchases, returns, and collections on delinquent accounts related to Member’s use of the SDM services and website.

Marketing Communications (Opt In)

From time to time SDM and its agents may provide flash sales, specials, one of a kind merchandise, auctions, and other unique promotions. As an SDM Member you have the opportunity to participate in SDM promotions by permitting SDM to send electronic communications, including email, text messaging, telephonic contact and messaging, and other forms of electronic communications. Unless you Opt Out, you agree to continue to receive SDM promotions as long as you remain an SDM Member.

By continuing to access the SDM website and using SDM services the Member consents to receive promotion information.

At any time following the Member’s agreement to Opt In to Marketing Communications, he or she may Opt Out of the SDM promotions by contacting SDM at customerservice@squaredealmarket.com and enter the term “OPT OUT” on the subject line of the email. Once the Member opts out the Member will no longer be contacted through the electronic means identified for any Marketing Communication by SDM, but may be contacted for business purposes, as provided for in this Communication Agreement and Terms and Conditions.

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