Aviso legal importante

You must be at least 18 years of age to prequalify or apply for credit with Conn's or its affiliates (Conn Appliances, Inc. or Conn Credit Corporation, Inc.) or to prequalify or apply for a lease-to-own transaction with Conn's affiliate Improvemint Financial. Si está casado, puede solicitar una cuenta separada.

Las leyes federales nos exigen obtener, verificar y guardar información que identifique a cada persona que abra una cuenta, para ayudar al gobierno en la lucha contra actividades de financiación del terrorismo y lavado de dinero. Para procesar una solicitud, debemos tener su nombre, dirección, fecha de nacimiento y otros datos que lo identifiquen, y es posible que también le solicitemos documentación para comprobar su identidad.

A prequalification or application is used to prequalify or apply for Conn's Yes Money financing program or an Improvemint Financial lease-to-own transaction. YES MONEY financing is offered by Conn Appliances, Inc. in the states of Alabama, Arizona, Colorado, Florida, Georgia, Mississippi, Nevada, New Mexico, North Carolina, South Carolina, and Virginia; and is offered by Conn Credit Corporation, Inc. in Oklahoma, Louisiana, Texas and Tennessee. Lease-to-own transactions are offered by Improvemint Financial in the states of Alabama, Arizona, Florida, Louisiana, Mississippi, Nevada, New Mexico, North Carolina, Oklahoma, Texas and Virginia. If you wish to apply for financing or a lease-to-own transaction through an alternate 3rd party, please apply at one of our locations or contact: (877) 358-1252 for assistance. By completing and submitting the above information, you authorize Conn's and Improvemint Financial to verify and gather information about you and to investigate your credit, bank, employment, and income records. Further, Conn's and Improvemint Financial may verify your credit references for purposes of considering your application for credit or a lease-to-own transaction, and, subsequently, in connection with any updates, renewals or future extensions of credit or leasing or reviewing or collecting on your account. En caso de que lo pregunte, le informaremos si hemos solicitado un informe a una agencia crediticia o no, y los nombres y direcciones de las agencias crediticias que nos hubieran proporcionado dichos informes.

A Conn's or Improvemint Financial representative, or a third party acting on their behalf, will contact you if you are pre-qualified or approved for credit or a lease-to-own transaction or if more information is needed to process your application. You authorize Conn's and Improvemint Financial to share your information with one or more lenders or third-party lease-to-own providers, in connection with your desire to obtain financing or enter into a lease-to-own transaction, and authorize such third parties to contact you directly, including by phone and email. If approved, your next step may be to complete a Retail Installment Contract, Revolving Charge Agreement, Direct Loan Promissory Note and Security Agreement, or lease-to-own agreement, depending on the type of account approved. You will be given a copy of any contract or agreement you enter into with Conn's or Improvemint Financial, which will include all applicable terms and conditions.

A down payment may be required for a credit transaction and depending upon your state of purchase, an origination fee may be assessed for such as permitted by law.

If you have entered or provided to Conn's or Improvemint Financial a mobile phone number or another phone number that you later convert to a mobile phone number, you agree and consent that they and, one or more lenders or third-party lease-to-own providers, may contact you at the mobile phone numbers and any other numbers that you have entered or provided. Aceptas que te podemos contactar por teléfono o por mensajes de texto. Además, acepta y brinda su consentimiento para recibir mensajes de voz pregrabados o de voz artificial, así como recibir llamadas y mensajes de texto de teléfonos manuales y de sistemas de marcado automatizado. Usted acepta que su consentimiento es válido incluso en el caso de que deba pagar un cargo por las llamadas o mensajes de texto.

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Conn's or its affiliates (Conn Appliances, Inc., Conn Credit Corporation or Improvemint Financial) or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

ARBITRATION Clause (“Clause”):

In this Clause, "you" and "your" include Conn's affiliates, employees, officers, directors, agents, servicers, or assigns.

A "Claim" is any claim, dispute or controversy that arises from or relates to the online prequalification or application I file electronically for credit or lease-to-own approval. A Claim includes but is not limited to: Claims about the approval or denial of your online credit or lease-to-own prequalification or application; Claims alleging fraud or misrepresentation; and any other Claims under common law, equity, or concerning federal, state, or local law or regulation. Usted o Yo podemos elegir resolver cualquier Reclamación exclusivamente por arbitraje individual vinculante. Esta Cláusula se rige por la Ley Federal de Arbitraje. Un árbitro entenderá en la reclamación. El árbitro llevará a cabo el arbitraje conforme a las reglas de la American Arbitration Association ("AAA").

CUALQUIER ARBITRAJE DEBE REALIZARSE ÚNICAMENTE DE MANERA INDIVIDUAL. I WAIVE MY RIGHT TO BE A CLASS REPRESENTATIVE OR CLASS MEMBER FOR ANY CLAIM AGAINST YOU. I ALSO WAIVE ANY RIGHT TO CONSOLIDATE OR JOIN MY CLAIMS WITH ANY OTHER PERSON OR ENTITY'S CLAIMS. IF YOU SUE IN COURT TO COLLECT AMOUNTS I OWE, I MUST MAKE ANY CONTERCLAIM ON AN INDIVIDUAL BASIS ONLY. I GIVE UP MY RIGHT TO PARTICIPATE IN A CLASS ACTION. ESTO SE DENOMINA "RENUNCIA A DEMANDA COLECTIVA".

El árbitro no puede conceder indemnización en ninguna forma o cuantía que no sean las estipuladas por ley. Any arbitration hearing will take place in Texas. My Claim shall be governed by the laws of Texas, without regard to its conflicts of law provisions. La sentencia sobre el laudo puede dictarse en Texas. Esta Cláusula y esta Renuncia a demanda colectiva también son vinculantes para cada parte y sus respectivos herederos, sucesores y cesionarios. Si alguna parte de esta Cláusula, distinta de la Renuncia a demanda colectiva, no puede aplicarse, el resto será aplicado. Si no puede aplicarse la Renuncia a demanda colectiva, será inaplicable la totalidad de la Cláusula.

I MAY OPT OUT OF THIS ARBITRATION CLAUSE. To do so, I must send you a notice that I opt out by Certified Mail, return receipt requested. The notice must be post marked within 14 days of the date of the online credit or lease to own prequalification or application. Such notice must be sent to the following address: 2445 Technology Forest Boulevard, Suite 800, The Woodlands, TX 77381, Attn.: Compliance Manager.