All customers‘ personal information must be submitted in person prior to eligibility to lease a device, for credit building profiles customers do not have to be present (in person), vehicle financing and collateral based loan requests must be conducted in person (no exceptions).
Customers must pay in full the due balance as agreed upon in the lease agreement in order to own the device, vehicle, termination of the collateral based loan, and to increase their credit score with the credit building profile commitments.
If customers decide to take advantage of our “cancel anytime” option they must return the merchandise in the condition in which they purchased it and will not receive any reimbursement or refund for any payments made prior to the decision to cancel services this capability is for device financing only.
Customers that consider a device to lease that is not available in our marketing inventory will be required to render a deposit before an order is made for the desired device, vehicle inventory is a service provided as "first come first served" no deposit will qualify vehicles for reservations of any sort as we, Chosen Distributions offer this same inventory to dealerships and general consumers.
Customers will receive a 72 hour grace period of non-payment before the company considers the device a total loss, once deemed a total loss, the company will have the device black-listed, reported to the local authorities as stolen merchandise, and will seek further penalties by law if the merchandise is not returned within 72 hours of being considered a total loss, vehicles that fall into "default" status on a loan agreement on and no later than 29 days of non-payment will be repossessed on the 29th day of the loan status "default" being issued to the bureau of motor vehicles, for any reason, customers hinder or prevent a repossession the local authorities will be contacted and will be present during the repossession, credit building profiles that are past due will be given a 72 hour grace period to pay the due balance; otherwise, the profile will be cancelled/closed and the consumer will not be entitled to any successful payments made to the account and rendering their rights to their account to "Chosen Distributions." Collateral based loans are under a strict guideline for payments and property (liquid assets) will be turned over (released) to said lender "Chosen Distributions" until a payment to the remaining balance is made, 72 hours after the payment has settled the property (liquid asset) will be returned to the primary owner. For any reason, the collateral loan falls into "default" status the property (liquid asset) will automatically become the property of "Chosen Distributions."
Customers do consent and agree with these terms upon completion of a lease agreement, subsequent to signing, and they will be charged an applicable included interest and finance charge for device leasing agreement.
Customers do consent and agree with the following terms upon completion of a lease agreement, subsequent to signing, for vehicle financing and the flat fee applied, credit building profile incurred fees, and the flat fee applied to the collateral based loan.
Customers are required to provide a valid state ID, consular ID, or drivers license (mandatory for vehicle financing) (vehicle financing, credit building profile, and collateral based loan requirement), in person payments are permitted and all banks are accepted, customers must have a source of income and proof of income, for customers who are currently unemployed you must submit a bank statement with continuous deposits of more than the asking price, you must also have an available balance of at least 3x the asking price under retail (device leasing only), and you are not entitled to our grace period feature, customers must provide a social security number or ITIN for identity purposes only, no hard or soft inquiries will be done on your credit report (vehicle financing, credit building profile, and collateral based loans requirement).
At this time, we are only offering these services to Indiana residence and are focusing on expansion in the near future.
By law, and by Chosen Distributions’ policy, every vehicle financed with Chosen Distributions will be required to have no less than “Full Coverage“ vehicle insurance listed with their name as a policyholder, no exceptions. Customers will be required to send proof of full coverage payments made to their insurance carrier along with their payments made on their vehicle loan. For any reason, any vehicle is ever driven without “full coverage”, we, Chosen Distributions will then ”void” all payments and repossess the financed vehicle. Customers are forfeiting their right to finance and purchase any vehicles from Chosen Distributions once deemed uninsured drivers while in possession of vehicles owned by Chosen Distributions.
All customers will be entitled to a 6 month refinance/buy out option to pay off the device sooner; each applicant differs with terms and conditions and for vehicle financing after 1.6 years refinancing will be an option to customers with up to 12 consecutive and on time payments.
When processing an online payment customers must add the processing fee listed within the payment tab.
Return and Refund Policy
Terms of return will be within 14 days of purchase and will not be accepted any time before or after by return policy.
State of return must be in the condition which is was purchased, charges and fees incurred if the device is returned in any other condition.
Reason for return will not affect the return of the device.
Process for return will be made via customer care services over the phone or via email.
Terms of return will only be applied to devices only.
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