24 month contract ($1 down)



Retail Installment Contract

Congratulations on your decision to invest in your greatest asset – yourself. You have selected one of our straightforward, convenient monthly payment options to finance your purchase of Strayt® clear aligners. Below is the Retail Installment Contract and the Terms and Conditions of financing your new smile with Strayt®. By executing this contract, you are hereby agreeing to the terms, conditions, interest rates, and fees as they explained below.

Under the terms of this contract, your clear aligner therapy system will be shipped complete with the first 3 months of aligners. The remainder of the aligners will be shipped after 3 months, as long as your account is current. Please inform us in writing if your mailing address changes prior to us shipping the remainder of your aligners.

If you do not wish to enter into this agreement, you still have the option of paying in full at checkout and not incurring the finance charge. Please read the contract carefully and contact Strayt® if you have any questions. You will be provided (via email) a copy of this contract after it has been signed by both parties. Your monthly payments will be processed by Strayt LLC and will appear on your bank statement as Strayt.

[email protected]

1-844-478-7298

 

Buyer Information

Name: {{billing_first_name}} {{billing_last_name}}

Current Address: {{shipping_address_1}} {{shipping_address_2}}, {{shipping_city}}, {{shipping_state}}, {{shipping_postcode}}

Phone Number: {{billing_phone}}

Alternate Phone Number:

Email Address: {{billing_email}}

Date of Birth:

Creditor: Strayt LLC 9482 W Frank Ave, Peoria, AZ 85382

ANNUAL PERCENTAGE RATE FINANCE CHARGE Amount Financed Total of Payments Total Sales Price
The cost of your credit as a yearly rate The total dollar amount the credit will cost you The amount of credit provided to you or on your behalf The amount you will have paid after you have made all payments as scheduled The total cost of your purchase on credit, including your down payment
of $1.00
{{apr}}% ${{finance_charge}} {{amount_financed}} {{total_of_payments}} {{total_sales_price}}


Your payment schedule will be:

Number of Payments Amount of Payments When Payments Are Due
24 {{order_monthly}} Payments will begin 30 days after balance of down payment is charged

 

Late fee: If a payment is late, you will be charged a fee of $10 (or $5 on an installment of $25 or less).

Prepayment: If you pay off early, you will not have to pay a penalty.

See your contract documents for any additional information about nonpayment, default, required repayments in full before the scheduled date, and prepayment refunds and penalties.

Itemization of the amount financed of {{amount_financed}}

{{cash_price}} Cash Price of Services

 

 

***Please review the terms and conditions prior to signing ***

TERMS AND CONDITIONS

On this date of December 5, 2020 for valuable consideration received, the undersigned Buyer, unconditionally promises to pay for services provided by        Strayt        (“Provider”) the sum of {{cash_price}}, plus a finance charge at an annual rate of     {{apr}}%      . Payments are made to Strayt LLC.


Monthly Payment Amounts. Buyer understands and agrees that he/she shall make monthly payments according to the payment schedule above.

Account Service Fees.

Late Fee. In the event that a payment due under this Contract is not made within fifteen (15) days of the scheduled Payment Date, as set forth herein, the Buyer shall pay a late fee of $10 (except $5 on an installment of $25 or less).

Returned Item Fee. In the event that a check or other form of payment is returned for insufficient funds, or for any other reason, Strayt will charge the Buyer a returned item fee of $10 or actual charges assessed by Strayt’s financial institution for processing the returned item, whichever is greater (maximum $25).

Monthly Statements. Buyer agrees that he/she will not receive a monthly statement, payments will be made via automatic withdrawal from Buyer’s bank account, debit card or credit card, and these withdrawals will appear on Buyer’s bank, debit card or credit card statement. Written statements of Buyer’s account balance can be provided upon written request.

Changes to this Contract. Any changes to this Contract, other than the amount owed, must be approved by and between the Buyer and Provider. No oral modifications will be effective or accepted. If there is a reduction to the amount owed under this Contract, this will be made solely by notifying the Buyer of the reduction. If there is an increase to the amount owed under this Contract, this will be made by obtaining the written consent of the Buyer and Provider using the Addendum form. It may take as many as 5 days for such changes to take effect. While modifications are being processed, the Buyer will remain responsible for any charges under this Contract.

Assignment. Buyer agrees that he/she shall not assign or transfer his/her rights or obligations under this Contract. Buyer agrees that Provider may assign its rights under this Contract at any time and any assignment shall be binding and inure to the benefit of all the respective legal representatives, successors and assigns.

Notice to the Assignee. The assignee receiving or acquiring this Contract shall be subject, under equal conditions, to any claim or defense that the Buyer may initiate against the Creditor. The assignee of the Contract shall be entitled to file against the Creditor all the claims and defenses that the Buyer may raise against the Creditor of the goods and the services.

No Prepayment Penalty. Buyer understands that the obligations under this Contract may be prepaid in whole or in part at any time, without premium or penalty. Buyer may contact Strayt at 844-478-7298 or [email protected] to obtain a current statement of the balance that is due and owing.

Default by Buyer. Subject to any requirements or restrictions of applicable law: (i) the breach of any term of this Contract by Buyer, (ii) the cancellation of Buyer’s automatic monthly payment authorization and failure to substitute another form of payment, or (iii) the failure to make any payment in full or on a timely basis as required herein, shall constitute a default. Upon such default the entire unpaid balance shall become immediately due and payable; Buyer agrees to pay all costs and expenses incurred by Strayt as the result of such default, including costs and expenses of collection and reasonable attorneys’ fees.

Governing Law. The validity, interpretation, and enforcement of this Contract and its terms and conditions shall be interpreted and governed under the laws of the State of {{shipping_state}}.


ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

I have reviewed the Terms and Conditions of this Contract. I understand that I am responsible for payment of any and all obligations under this Contract, and agree to the Terms and Conditions of this Contract.

Initial: Date: December 5, 2020

Monthly Payment Using Bank Account (ACH)

Buyer authorizes Strayt to initiate debit entries via the Automated Clearing House (“ACH”) network or Debit Card for the checking account or savings account at the bank that Buyer has provided on this form. This authorization permits Strayt to charge the Monthly Payment Owed, any late fees, or returned item fees, as reflected on this Contract. Buyer understands that Buyer has a right to receive written notice of all varying transfers at least 10 days before the scheduled date of transfer. However, by signing below Buyer agrees that Buyer will only receive such notice if a transferred amount will be more than 25% greater than the amount of the immediately preceding transfer. Buyer also authorizes Strayt to resubmit any failed debit entry up to two (2) additional times prior to the next payment date. The authorization for debit entries shall remain in effect until Buyer has canceled it. To stop a payment, Buyer must contact Strayt in time for Strayt to receive the request 7 business days or more before the payment is scheduled to be made. If Buyer calls, Strayt may also require Buyer to put Buyer’s request in writing and get it to Strayt within 14 days after Buyer’s call. Buyer understands and acknowledges that Buyer may terminate this authorization by notifying Strayt in such time and manner as to afford Strayt and the bank specified below a reasonable opportunity to act on it. Buyer understands and agrees that, in the event of any returned item or failed debit entry, Strayt will charge Buyer a Returned Item Fee of $10 or actual charges assessed by Strayt’s financial institution for processing the returned item, whichever is greater (maximum $25), on his/her next monthly payment, in addition to a Late Fee of $10 (except $5 on an installment of $25 or less). For any returned item, Strayt will also have the right to charge fees from the additional account listed below. Buyer also understands that his/her bank may charge a fee for a returned item.

Monthly Payment Using Credit Card

Buyer authorizes Strayt to directly charge the Monthly Payment owed, any late fees, or returned item fees on the credit card Buyer has provided. This authorization will remain in effect until Buyer has canceled it. Buyer understands and agrees that, in the event of any returned item or failed debit entry, Strayt will charge Buyer a Returned Item Fee of $10 or actual charges assessed by Strayt’s financial institution for processing the returned item, whichever is greater (maximum $25), on his/her next monthly payment, in addition to a Late Fee of $10 (except $5 on an installment of $25 or less). For any returned item, Strayt will also have the right to charge fees from any additional account listed above. Buyer also understands that his/her credit card company may charge a fee for a returned item.

Initial: Date: December 5, 2020

You must ACCEPT below to authorize automatic ongoing payments.

 TCPA Consent

You agree that Strayt LLC and all of its related corporate entities, agents, servicers, debt collectors, independent contractors, assigns, and successors may call you through the use of any dialing equipment (including a dialer, automatic telephone dialing system, and/or interactive voice recognition system) and/or artificial or prerecorded voice or message, even if you are charged for the call or message. You expressly agree that such automated calls may be made by and/or its related corporate entities, agents, servicers, debt collectors, independent contractors, assigns, and/or successors to any telephone number(including numbers assigned to any paging, cellular, or mobile service, or any service for which you are charged for the call) you have provided previously or may provide in the future in connection with your Account. You expressly consent to such automated calls. With such consent, you specifically waive any claim you may have against Strayt LLC and/or its related corporate entities, agents, servicers, debt collectors, independent contractors, assigns, and/or successors for the making of such calls, including any claim under federal or state law and specifically any claim under the Telephone Consumer Protection Act, 47 U.S.C. § 227. You also expressly agree that the provision above applies to the use of text messaging. You expressly consent to the receipt of text messages from Strayt LLC and all of its related corporate entities, agents, servicers, debt collectors, independent contractors, assigns, and successors at any telephone number (including numbers assigned to any paging, cellular, or mobile service, or any service for which you are charged for the call) you have provided previously or may provide in the future in connection with your Account. You acknowledge that message and data rates may apply. You expressly consent to the receipt of e-mails in connection with your Account from Strayt LLC and all of its related corporate entities, agents, servicers, debt collectors, independent contractors, assigns, and successors at any e-mail address you have provided previously or may provide in the future in connection with your Account.

 

 

 

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Signed by Paul Heapy
Signed On: April 2, 2020

Signature Certificate
Document name: 24 month contract ($1 down)
lock iconUnique Document ID: 243610904f5232caf5a362619e80c2ffd1e497cb
Timestamp Audit
April 2, 2020 12:23 pm MST24 month contract ($1 down) Uploaded by Paul Heapy - [email protected] IP 68.3.110.179