Dispute Resolution Process

Thank you for being a customer at Orlando Furniture Mart, the Orlando Furniture Mart mobile app, or one of our retail stores. As used in this Dispute Resolution Process, “we,” “us,” or “our” refers to Orlando Furniture Mart and/or its affiliates, owners, or representatives thereof. This Dispute Resolution Process governs any and all claims relating in any way to your purchase of any products or services sold or distributed by us, your interactions at our retail stores, the use of our Orlando Furniture Mart website and our mobile apps, our Terms of Use, and our privacy policy and practices (each a “Claim” and collectively, the “Claims”). The terms of this Dispute Resolution Process replace any prior version of the Dispute Resolution Process in effect between you and us.

You agree to waive participation in a class action.

Waiver of Jury Trial
You and we both agree under this provision to waive our right to trial by jury of any Claim.

Waiver of Class or Consolidated Actions
You and we each agree that any dispute resolution proceedings will be conducted only on an individual basis, and not on a class, collective, consolidated, or representative basis. You and we each agree to waive any right to assert any Claim as a representative of or member in a class or any other representative proceeding or action.

Severability
If any provision of this Dispute Resolution Process is found unenforceable, the unenforceable provision will be severed and the remaining terms will be enforced.

YOU AND WE UNDERSTAND AND AGREE THAT, BECAUSE OF THIS AGREEMENT TO THIS DISPUTE RESOLUTION PROCESS, NEITHER YOU NOR US WILL HAVE THE RIGHT TO HAVE A JURY TRIAL OR TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER IN A CLASS OF CLAIMANTS OR OTHER REPRESENTATIVE PROCEEDING OR ACTION PERTAINING TO ANY CLAIM.

Governing Law
All matters relating to your purchase of any products or services sold or distributed by us, your interactions at our retail stores, the use of our Orlando Furniture Mart website and our mobile apps, our Terms of Use, and our privacy policy and practices, and any dispute or Claim arising therefrom or related thereto, shall be governed by and construed in accordance with the laws of the State of Florida, without giving effect to any conflict of laws principles.

Waivers and Limitations
Regardless of any statute or law to the contrary, all Claims must commence within one (1) year after such Claim arose or be forever barred.

0% Interest for 60 Months^° – In-Store Only
⁠On in-store purchases made with your Orlando Furniture Mart Advantage® Synchrony credit card at participating locations. 60 equal monthly payments required. Minimum purchase may be required. Down payment up to 30%, plus tax and delivery may be required on another payment type for in-store purchases. Promo fee of 2% of amount financed will be included in monthly payments.

^°Not combinable with other offers and discounts. If any down payment is required, the qualifying purchase amount is determined prior to any down payment, taxes or delivery. See a sales associate for details on required down payment. Qualifying purchase amount must be on one receipt. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery, or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on amount financed (including related promo fee) and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial amount financed, (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. Any estimated monthly payments may be shown as rounded up to the next whole dollar (for ease of display) or may be shown rounded up to the next cent. See your billing statement for your actual required equal monthly payment, which will be rounded up to the next cent. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts: As of 7/16/2024 Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

24 Months Special Financing‡ – Online Only*
⁠On online purchases of $999 or more made with your Orlando Furniture Mart Advantage® Synchrony credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 24 Months. Minimum monthly payments required.

‡*Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 07/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

$1 to Start‡^
‡^“$1 to start” is available for applications online and in select stores, does not include taxes, & refers to the rental period from agreement start date to 1st scheduled renewal payment. On 1st renewal date, regular rental rates, taxes & fees will apply. Rate, term and total cost vary by item selected. This is not a promotion for a specific transaction/item nor an offer for a loan, credit, or financing. See lease for payment amounts & rental terms. Offer will not reduce the number of payments, total amount to acquire ownership, or purchase option amount. Customers in California will pay a $0 initial rent payment and a $1 processing fee to start.

Shop without using credit5
5Acima offers lease-to-own transactions. “Shop Without Using Credit” means this is not a loan, credit, or financing. Acima obtains information from consumer reporting agencies during a lease application. We consider multiple data points and regularly approve customers with less than perfect credit history. Acima Cash Price may include a markup over invoice price. Acquiring ownership by leasing costs more than the retailer’s cash price. Not available in MN, NJ, WI, or WY. Not all applicants are approved.