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Company Policy


Terms and Conditions

CONTRACT TERMS:  This is an offer to purchase merchandise upon the terms and conditions set forth herein.

Terms   and Conditions




Please review the Security Agreement (Purchase Money) Terms of Agreement below. PRINT and/or SAVE them for future reference. Then click the "Submit" button at the bottom of the page to indicate your acceptance of the Security Agreement (Purchase Money) Terms of Agreement and to continue with the application process.

Security Agreement (Purchase Money) Disclosures

Annual Percentage Rate (APR) for   purchases


Grace Period for repayment balances for   purchases

25 days if you pay your total new balance   in full each billing period by the due date

Method of computing the balance for   purchases

One cycle average daily balance

Minimum Finance Charge


Returned Check & Debit Fee


Late Charges

5% on overdue balances


CONTRACT TERMS: This is an offer to purchase merchandise upon the terms and conditions set forth herein. This offer shall become a contract upon acceptance hereof by the Seller (AMERICAN DIAMOND EXCHANGE). The Purchaser (YOU) agrees to pay the prices upon the terms shown herein to the Seller, or assigns when due and without notice. This contract is a Security Agreement covering merchandise and title to said merchandise and shall not pass to Purchaser until all payment, including collection charges and attorneys' fees, if any, are fully paid.

LATE CHARGES: If Purchaser defaults in making any payment for a period of ten (10) days after the due date thereof, Seller may collect a delinquency charge in an amount not exceeding 5% of such installment or $5.00, whichever is less, and provided that such delinquency charge may be collected not more than once on any installment during one cycle of billing.

PREPAYMENT: In the event of prepayment in full, Purchaser is entitled to a partial refund of the finance charge as computed on the RULE OF '78. Refunds of less than $1.00 will not be made. The Seller may retain a minimum charge of $5.00 when the amount financed does not exceed $75.00, $7.50 when the amound exceeds $75.00 but is less than $500.00; $10.00 when the amount finaced is $500.00 or more, but not exceeding the finance charge contracted for.


DEFAULTS: If Purchaser defaults in the performance of the Purchaser's obligations herein (subject to Seller's right to cure the default pursuant to the Uniform Consumer Credit Code). Seller at its option may accelerate payment of all or part of the amount unpaid as permitted by law, (1) sue for same together with all costs and reasonable attorneys' fees (not in excess of 15% of the unpaid debt after default, and such additional fees as may be directed by the court) incident to enforcement of this contract, or (2) repossess said merchandise and retain it and all payments to satisfaction of the balances.


  1. Purchaser (hereunder Debtor) may retain possession      of the merchandise described herein due to any default hereunder. If      default shall occur in the payment of the debt secured hereby (subject to      Debtor's right to cure the default pursuant to the Uniform Consumer Credit      Code), or any condition of this Security Agreement, or if the Debtor fails      to cure the default as to the merchandise wherever found, with or without      legal process, the Seller (hereunder Secured Party) may exercise any      rights and remedies granted Secured Parties by Article 9 of the Uniform      Commercial Code upon default by Purchaser of the Security Agreement.
  2. Purchaser agrees not to misuse, sell, encumber,      or remove said merchandise from the address where same is to be kept,      Purchaser agrees to be responsible for any loss of said merchandise and      neither the loss, damage or destruction of the whole part thereof shall      release Purchaser from the obligation to pay the Total Payments to Seller      set forth hereunder.
  3. In the event of repossession of the merchandise      described herein, Purchaser shall have the right to redeem said      merchandise within ten (10) days by paying the amount owing under this      Security Agreement.
  4. Except as otherwise provided by law, waiver of      any default shall not constitute a waiver of any other deault. No change      in this Security Agreement shall be binding unless in writing.
  5. Debtor (Purchaser, and each of them) warrants      that the person(s) making this agreement is of the lawful age of eighteen      (18) years old and suffering under no legal disability.
  6. This Security Agreement contains the entire      agreement of the parties and no agreements, representations or warranties      shall be binding on holder unless expressly contained herein.
  7. Any provision of this agreement which may be held      invalid shall render the agreement unenforceable only to the extent of      such validity and shall not invalidate the remaining terms and conditions      of this agreement.
  8. All payments are to be made directly to Seller at      its main office: Post Office Box 967, Lake Forest, California 92609 and      not to any local dealer or agent.
  9. If merchandise is returned, Purchaser agrees that      it will be liable for any cost theSeller may incur to restore the      merchandise to resable condition and related restocking fees.
  10. Any returns of merchandise must be authorized by      Seller previous to the merchandise being returned. All authorized returns      must be made by Registered and insured U.S. Mail.
  11. Permission is hereby given my commanding officer,      employer, or anyone else concerned, to furnish information to Seller in      connection with the granting of credit, or the collection of Purchaser's      account later. Further, Purchaser does hereby grant to Seller or its      assigns the right to communicate with any such parties any time in the      future regarding Purchaser's account, including, giving Purchaser's      current home or military address on record.
  12. This transaction may be cancelled prior to      Midnight (Pacific Standard Time) of the third business day after the date      of this transaction.

By submitting this application, I certify that I am authorized to submit this application on behalf of the applicant; the applicant agrees to the SECURITY AGREEMENT (PURCHASE FOR MONEY) TERMS AND AGREEMENT; and the applicant agrees that he/she has received the SECURITY AGREEMENT (PURCHASE FOR MONEY) TERMS AND AGREEMENT electronically. The applicant also agrees to be bound by the Terms and Conditions and Additional Terms and Conditions which will be mailed to Purchaser if credit is granted along with a filled-in copy of this Security Agreement reflecting the description of goods purchased, marked as "Truth in Lending" copy.

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You will now be forwarded to the Credit Application. To expedite processing, please fill in all required information.

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