Kikoff Terms of Service and Credit Account Agreement

Last Updated: September 2, 2026

Kikoff Inc. (“Kikoff,” “we,” “our,” or “us”) offers credit-building and related financial products and services, and owns and operates the website at www.kikoff.com and a related mobile application (collectively, the “Kikoff Services”). This Kikoff Terms of Service (the “Kikoff Agreement”) governs your access to and use of the Kikoff Services.

This Kikoff Agreement is a product-specific Agreement under, and supplements, the Kikoff Master Terms of Service (the “Master Terms”). The Master Terms and the other Agreements governing your use of the Kikoff Services — including the Privacy Policy — are incorporated into this Kikoff Agreement and apply to the Kikoff Services. Terms defined in the Master Terms or other Agreements have the same meaning in this Kikoff Agreement unless otherwise defined here. If there is a conflict between the terms in this Kikoff Agreement and the terms in the Master Terms or any other Agreement, this Kikoff Agreement will control, but only with respect to the Kikoff Services and only to the extent of the conflict. 

If you open a Kikoff Credit Account, you agree to the terms of the Kikoff Credit Account Agreement included in this Kikoff Agreement; in case of conflict, the Kikoff Credit Account Agreement controls with respect to your Kikoff Credit Account and only to the extent of the conflict.

All Disputes arising out of or relating to this Kikoff Agreement or the Kikoff Services are governed by, and subject to, the Arbitration Agreement, the Class Action Waiver, and the Jury Trial Waiver set forth in Section 17 of the Master Terms, including your right to opt out of arbitration as described there. Please review the Master Terms carefully, as they affect your legal rights.

1. Consent to Consumer Reports and Credit Information

If you complete the account opening process, you specifically consent to let us request and receive your consumer report data and other data about you from third parties to include in your Account Profile as follows:

I understand that I am providing written instructions in accordance with the Fair Credit Reporting Act and other applicable law for Kikoff and its affiliated companies to request and receive copies of consumer reports, scores, and other information about me from third parties, including, but not limited to, Experian, TransUnion and Equifax. I understand that my instructions permit Kikoff and affiliated companies to obtain such information at any time for as long as I have a registered Kikoff account and to use it as described in this Kikoff Agreement, the Master Terms and the Privacy Policy.

I authorize Kikoff to access and review my credit information in order to display it to me and to provide me with relevant financial recommendations and marketing offers. I also accept this Kikoff Agreement, the Master Terms, and the Privacy Policy.

2. Additional Disclaimers for the Kikoff Services

Nothing on the Kikoff website or application or in the Kikoff Services constitutes an offer to sell or a solicitation of an offer to buy or sell any security or to participate in any trading strategy. The Content is not intended to be relied upon as the basis for any investment decision and is not to be construed as legal, business, or tax advice, and you should consult your own attorney, business advisor, and/or tax advisor in order to make an independent determination of the suitability and legal, business, and tax consequences of any action.

Calculators and tools that may be made available to you through the Kikoff Services provide you with estimates of loan terms that are generally available. The availability of these terms may change at any time at our sole discretion and are subject to our underwriting criteria. The loan terms you receive may be different.

3. Credit Account Plan Term; Automatic Renewal

If you open a Credit Account, your Credit Account plan is offered on a twelve (12)-month term basis (each, a “Plan Term”), and the applicable plan fee is billed monthly. Your initial Plan Term begins when your Credit Account is opened and ends on the twelve (12)-month anniversary of that date. Unless you turn off automatic renewal before the end of the then-current Plan Term, your Credit Account plan will automatically renew for successive twelve (12)-month Plan Terms.

You may turn off automatic renewal through your account settings or another method Kikoff makes available. Turning off automatic renewal prevents renewal at the end of the current Plan Term; it does not immediately close your Credit Account or eliminate amounts already due.

Kikoff will provide any renewal, annual reminder, price-change, or cancellation information required by applicable law. 

4. California Residents

Pursuant to California Civil Code Section 1789.3, any questions about pricing, complaints, or inquiries may be sent to Kikoff Inc., Attn: Complaints, 633 Folsom Street, Suite 300, San Francisco, CA 94107. You may also contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

KIKOFF CREDIT ACCOUNT AGREEMENT

Pricing Information

How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).” See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Consent to Receive Debt Collection Emails. In the event that you are in default, you consent to receive debt collection emails at any time of the day or night including from our debt collection service providers and our agents. You certify that any email address you provide to Kikoff can be used by Kikoff and its agents for debt collection communications. You also certify that any email address you provide is a personal email address and not a work email address. If you change your email address, it is your obligation to update your email address with Kikoff.

This Kikoff Credit Account Agreement explains the terms that you agree to follow for your credit account (called your "Account") with Kikoff Lending, LLC. Your signature on your application or solicitation for this Account, including without limitation any electronic or digital signature, as well as your signature on any sales slips or any Account-related document, represents your signature on this Kikoff Credit Account Agreement.

This Kikoff Credit Account Agreement sets out the terms of your Account and forms part of the Kikoff Agreement, supplementing the general terms above. It is governed by the Master Terms, which are incorporated by reference and apply to your Account. Terms defined in the Master Terms or elsewhere in this Kikoff Agreement have the same meaning in the Kikoff Credit Account Agreement unless otherwise defined here. If there is a conflict between the Kikoff Credit Account Agreement and the general terms above or the Master Terms, this Kikoff Credit Account Agreement controls with respect to your Account and only to the extent of the conflict. 

Before you sign the application for the Account (the “Application”), you should read this entire Kikoff Credit Account Agreement, which includes the cost-of-credit disclosures required by Federal Law. You are entitled to a copy of this Kikoff Credit Account Agreement at the time you sign it.

DISPUTES BETWEEN YOU AND US ARISING OUT OF OR RELATING TO YOUR ACCOUNT ARE SUBJECT TO THE ARBITRATION AGREEMENT, THE CLASS ACTION WAIVER, AND THE JURY TRIAL WAIVER IN SECTION 17 OF THE KIKOFF MASTER TERMS OF SERVICE. PLEASE REVIEW THOSE PROVISIONS CAREFULLY, AS THEY AFFECT YOUR LEGAL RIGHTS. YOU HAVE THE RIGHT TO OPT OUT OF ARBITRATION AS DESCRIBED THERE.

Your Application and the information you provide on the Application that identifies you is incorporated in this Kikoff Credit Account Agreement by reference. You acknowledge that you have received a copy of this Kikoff Credit Account Agreement for your records. The Kikoff Credit Account Agreement will not be effective until we approve your Application, and then after that, only if you or someone authorized by you signs a sales slip or otherwise charges a purchase to this Account.

In this Kikoff Credit Account Agreement, and in your billing statements ("Statements"), the words "you" and "your" mean everyone who is liable for payment on this Account, and the words "we", "us" and "our" refer to Kikoff Lending, LLC (and, as applicable, its agents, successors and assigns). An applicant, if married, may apply for a separate account.

1. USE OF YOUR ACCOUNT – When you apply for an Account, you promise to be bound by the terms of this Kikoff Credit Account Agreement. You promise to pay us for all credit extended under this Kikoff Credit Account Agreement and all other amounts you owe to us according to the terms of this Kikoff Credit Account Agreement. If your Account is a joint account, each of you is bound by this Kikoff Credit Account Agreement and each of you jointly and individually promises to pay us, and may be held liable for, all amounts owed to us on your Account. You also promise to pay us for charges incurred by anyone you allow to use your Account.

You may use your Account to purchase goods and services: (a) from any merchant authorized to accept your Account; or (b) that we offer in connection with your Account. This Account may require a down payment on your first purchase. You may only use your Account for personal, family, and household purposes.

2. CREDIT LIMIT - You agree that we may establish a credit limit for your Account (“Credit Limit”), and we will indicate your current Credit Limit on each billing statement. You agree to prevent your Account balance from exceeding the Credit Limit. We may, but are not required to, approve transactions that exceed your Credit Limit without liability to you and without obligating us to do so in the future. You will be obligated to pay any amount in excess of your Credit Limit in accordance with the terms of this Kikoff Credit Account Agreement. We reserve the right to delay an immediate increase in available credit due to a payment(s) made on your Account. You agree that we may change a Credit Limit for any reason not prohibited by law.

3. SPECIAL PROMOTIONS – Occasionally, we may provide you the opportunity to use your Account in connection with special promotions. These promotions may be subject to terms and conditions in addition to or different from those provided in this Kikoff Credit Account Agreement, which will be described in our offer. Unless otherwise stated, however, all terms of this Kikoff Credit Account Agreement shall apply to any promotion.

4. PAYMENTS – We will send you a Statement covering each billing cycle that your Account has a balance (including deferred balances, if applicable), or if required by law. Billing cycles are approximately one month long. Each Statement will reflect: (a) the total amount you owed on the first day of your billing cycle (called the "Previous Balance"); (b) payments, credits, purchases, and all fees and other charges made to your Account during the billing cycle; (c) the total amount you owed at the end of the billing cycle (called the "New Balance"); (d) the smallest amount you have agreed to pay us for that billing cycle (called the "Minimum Payment Due"); (e) if any portion of the New Balance is delinquent, the amount that is delinquent (called the “Amount Past Due”); and (f) the date by which the minimum payment due must be received (called the “Payment Due Date”).

You agree to pay at least the Minimum Payment Due as shown on your billing statement by the Payment Due Date shown on your billing statement. The Minimum Payment Due for each billing cycle will be the greater of (a) the Minimum Payment Amount corresponding to Your Plan as set forth in the table below, or (b) 5% of your New Balance as shown on your billing statement. If your New Balance is less than the Minimum Payment Amount for Your Plan, the Minimum Payment Due will be your full New Balance. If your account has a credit balance, no Minimum Payment Due will be due. You may pay more than the Minimum Payment Due at any time.

Your Plan is identified on your billing statement and in the Pricing Information provided to you at account opening.

All payments made by mail must be made by check or money order, following the instructions in this Kikoff Credit Account Agreement and on your Statement. You agree that we may return any payment you make, without applying the payment to your Account and without presentment or protest, for reasons including, but not limited to, that the check or money order: (1) is not drawn on the U.S. Post Office or a depository institution located in the United States; (2) is missing a signature; (3) is drawn with different numeric and written amounts; (4) contains a restrictive endorsement; (5) is post-dated; (6) is not payable to Kikoff Lending, LLC or its assigns; (7) is not payable in U.S. dollars; or (8) is not paid upon presentment.

If we accept a check payment made in U.S. dollars and drawn on a financial institution not located in the United States, you agree to pay any bank collection fees we incur. All payments made by mail under this Kikoff Credit Account Agreement must be received at the address specified on your billing statement. Payments may also be made electronically on the web, by phone, or by ACH payment from a checking or savings account. However, you may not make a payment using any credit card issued by Kikoff Lending, LLC.

Each payment you send to us will be applied to your Account in a manner consistent with applicable law. Generally, we will apply your payment first to satisfy all minimum payments due.

If your payment is declined or we are unable to process your payment on the first attempt, you authorize Kikoff to automatically reprocess your payment.

5. UNAUTHORIZED USE – If you notice the loss or theft of your Account number or a possible unauthorized use of your card, you should email us immediately at support@kikoff.com. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before you notify us. In any case, your liability will not exceed $50. However, unauthorized use does not include use by a person whom you have given the Account number to or authority to use the Account, and you will be liable for all use by such a user. To terminate this authority you must send us notice in writing. You agree to assist us in determining the facts relating to any theft or possible unauthorized use of your Account and to comply with the procedures we may require for our investigation.

6. INTEREST CHARGES – The Annual Percentage Rate (“APR”) for purchases is 0.00%, which corresponds to a monthly periodic rate of 0.000%. This is a non-variable rate. To calculate the Interest Charge for each monthly statement we multiply the Average Daily Balance times the monthly periodic rate. Because the monthly periodic rate is 0.000%, there are no interest charges for using your Account. To get the Average Daily Balance, we take the beginning balance of your Account each day, add any new purchases on that day, and subtract any payments or credits we apply that day. We add other charges and fees on the day that such charges or fees are posted to the Account. If your Account has an overall credit balance, we treat this as a $0 balance. This gives us the daily balance. Then we add up all the daily balances for each day in the billing cycle and divide the total by the number of days in the billing cycle. This gives us the Average Daily Balance.

Non-Variable APR. Your Annual Percentage Rate is 0.00%, which corresponds to a monthly periodic rate of 0.000%. This is a non-variable rate. The finance charges that are assessed, including the monthly periodic rate, will be in amounts or at rates that do not exceed those permitted by law. The amount of periodic interest charges and APRs are subject to change. 

7. FEES – You will not be charged an annual fee to maintain your Account. You will not be charged a Late Payment Fee for amounts due that remain unpaid after your Payment Due Date. However, late payments may be reported to consumer reporting agencies, as explained in paragraph 9 of this Kikoff Credit Account Agreement. The following fees may be assessed on your Account: Phone Payment Fee. Each time you request over the phone through a customer service representative to make a payment to your Account we may charge a fee for such service. If a fee will be charged, the amount of the fee will be disclosed to you before you authorize the Phone Payment transaction.

8. ACCORD AND SATISFACTION – We may accept letters, checks, or other types of payments showing “payment in full” or otherwise restrictively endorsed or using other language to indicate satisfaction of your debt (“Disputed Amounts”) without waiving any of our rights to receive full payment under the terms of this Kikoff Credit Account Agreement. You agree to send any Disputed Amounts to the address for billing inquiries shown on your Statement.

9. CONSUMER REPORT USE AND FURNISHING INFORMATION – You agree that we have the right to obtain a credit report in connection with our review of your application for this Account and for a change in the Credit Limit and occasionally and routinely, during the term of this Account, as we deem reasonably necessary to maintain and collect this Account.

We may also report information about you, your Account, and our experiences with you to consumer reporting agencies, to other companies that are affiliated with us or to others as allowed by law and our Privacy Policy. If you do not fulfill the terms of this Kikoff Credit Account Agreement, we may submit a negative report reflecting on your credit record to one or more consumer reporting agencies. If you believe we have reported inaccurate information about you or your Account to a credit reporting agency, you should notify us by sending your Account number and a description of the information you believe to be inaccurate, along with any documentation supporting the inaccuracy, such as your credit report, to: Kikoff Lending, LLC, 633 Folsom Street, Suite 300, San Francisco, CA 94107.

10. DEFAULT/TERMINATION OF CREDIT PRIVILEGES – Subject to applicable law, you will be in default under this Kikoff Credit Account Agreement if you: (a) fail to make the Minimum Payment Due by the Payment Due Date; (b) violate any provision of this Kikoff Credit Account Agreement; (c) become the subject of bankruptcy or insolvency proceedings; (d) becomes the object of attachment, foreclosure, repossession, lien, judgment, or garnishment proceedings; (e) fail to provide us information necessary to maintain your Account; (f) supply us with misleading, false, incomplete or incorrect information; (g) are unable to perform the terms and conditions of this Kikoff Credit Account Agreement; (h) move out of the United States; or (i) use your Account in an unlawful manner.

Upon default or death, subject to applicable law, we may, in our sole discretion: (a) reduce your Credit Limit; (b) terminate the Account, at which time the terms of this Kikoff Credit Account Agreement will continue until we have been paid in full; (c) require immediate payment of the total balance on your Account including all related fees and charges described in this Kikoff Credit Account Agreement; (d) bring a legal action against you to collect money owed to us; (e) terminate any special promotional credit terms; or (f) take any other action permitted by applicable law. You will pay our court costs, attorneys' fees and costs and expenses of collection related to your default to the extent not prohibited by law.

Even if you are not in default, we reserve the right to terminate this Kikoff Credit Account Agreement or terminate your privileges to obtain credit on the Account at any time. You can cancel or close your Account at any time by emailing us at support@kikoff.com. If we have issued you a card with your Account number, you must cut it in half and return it to us. You may not use your Account for any purchases after you cancel or close your Account. Upon termination of this Kikoff Credit Account Agreement by you or us, you will continue to be obligated to pay all amounts owing under this Kikoff Credit Account Agreement, and to otherwise perform the terms and conditions of this Kikoff Credit Account Agreement.

11. COMMUNICATIONS WITH YOU – We and our agents may contact you by telephone call or text message regarding your Account. You agree that we may contact you by using an automatic dialing/announcing device or prerecorded message. You agree that we may make such contacts to a mobile, wireless, or other similar device, even if you are charged for it by your provider. You agree that we may, for training purposes or to evaluate the quality of our service, listen to and record phone conversations you have with us.

12. WHAT LAW APPLIES – This Kikoff Credit Account Agreement is governed by federal law and, to the extent that state law applies, the laws of the State of Delaware. If any provision of this Kikoff Credit Account Agreement is determined to be void or unenforceable under any applicable law, rule or regulation, all other provisions of this Kikoff Credit Account Agreement will remain enforceable (except as specifically addressed in the Arbitration Agreement). Our failure to exercise any of our rights under this Kikoff Credit Account Agreement will not be deemed to waive our rights to exercise such rights in the future. This Kikoff Credit Account Agreement is a final expression of the agreement between you and us and this Kikoff Credit Account Agreement may not be contradicted by evidence of any alleged prior oral agreement or of an alleged contemporaneous oral agreement between you and us.

13. Dispute Resolution

PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS. Any Claim or Dispute arising out of or relating to your Account or this Kikoff Credit Account Agreement is governed by, and subject to, the Arbitration Agreement, the Class Action Waiver, and the Jury Trial Waiver set forth in Section 17 of the Master Terms, including your right to opt out of arbitration as described there. This Part does not contain a separate arbitration agreement; the arbitration provisions of the Master Terms govern all Claims and Disputes relating to your Account.

14. CHANGE OF PERSONAL INFORMATION – You agree to promptly notify us if you change your name, mailing address, email address, or telephone numbers. In doing so, you agree that you will not give us false information or signatures, electronic or otherwise, at any time.

15. ASSIGNMENT OF ACCOUNT – We may sell, assign or transfer your Account or any portion thereof or any receivables created under your Account without notice to you. You may not sell, assign or transfer your Account without first obtaining our written consent.

16. NO WAIVER – We may waive or delay enforcing our rights under this Kikoff Credit Account Agreement without losing them.

17. CHANGES TO THIS AGREEMENT – This Kikoff Credit Account Agreement cannot be changed orally. We have the right to change this Kikoff Credit Account Agreement (including the right to add additional terms) and to apply those changes to any existing balance on this Account as permitted by law. We will provide you with notice of any such changes as required by applicable law. Changes to the Arbitration Agreement are addressed in Section 17 of the Master Terms.

18. OTHER PROVISIONS – All Accounts, including California and Utah Residents: As required by applicable law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

All Accounts, including New York/Rhode Island/Vermont Residents: You agree to give Kikoff Lending, LLC (415) 361-4040 as well as its agents, successors, and assigns permission to access your credit report in connection with any transaction, or extension of credit, and on an ongoing basis, for the purpose of reviewing your Account, adjusting the credit limit on your Account, taking collection action on your Account, or for any other legitimate purposes associated with your Account. Alimony, child support or separate maintenance payments need not be revealed if you do not want us to consider it in determining your creditworthiness. Upon your request, you will be informed of whether or not a consumer credit report was ordered, and if it was, you will be given the name and address of the consumer reporting agency that furnished the report.

Married California Residents: If you are a resident of California and married, you may apply for an account separate from your spouse.

Connecticut Residents: Damages may be imposed if a check is dishonored. Connecticut General Statutes § 52-565a authorizes our collection of damages for dishonored checks; criminal penalties may also apply.

Maryland Residents: Maryland law requires that if you send us a written request about the status of your Account and we do not answer that request within 60 days after we receive it, you are not required to pay a finance charge for that 60 day period or until we answer.

Missouri Residents: If you prepay your Account in full, you may be entitled to a refund of certain interest under Mo. Rev. Stat. § 408.170.

New Hampshire Residents: Reasonable attorney's fees will be awarded to you if you prevail in (a) any action, suit or proceeding brought by us, or (b) any action brought by you. If you successfully assert a partial defense or set-off, recoupment or counterclaim to an action brought by us, the court may withhold from us the entire amount or such portion of the attorney fees as the court considers equitable.

New York Residents: New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. The New York state department of financial services' telephone number is 1-800-342-3736, and its website is http://www.dfs.ny.gov.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Married Wisconsin Residents: No provision of any marital property agreement, any unilateral statement, or court decree under Wisconsin's Marital Property Act adversely affects the interest of a creditor unless, prior to the time credit is granted, the creditor is furnished a copy of that agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. We may require that you pay the entire amount that you have outstanding if you do not pay amounts that come due 2 times within 12 month period. You will also have to pay your entire amount outstanding if you fail to do anything required in this agreement and that failure makes it likely that you will not be able to pay your bills from us as they become due.

South Dakota Residents: If you believe there have been any improprieties in making this loan or in the lender’s loan practices, you may contact the South Dakota Division of Banking at 1714 Lincoln Ave, Suite 2 Pierre, SD 57501, or by phone at 605.773.3421.

Texas Residents: This contract is subject in whole or in part to Texas law which is enforced by the Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207. Phone (800) 538-1579; www.occc.state.tx.us. Contact the Commissioner relative to any inquires or complaints.

YOUR BILLING RIGHTS

(KEEP THIS DOCUMENT FOR FUTURE USE)

This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.

WHAT TO DO IF YOU THINK YOU FIND A MISTAKE ON YOUR STATEMENT. 

If you think there is an error on your statement, write us at:

Kikoff Lending, LLC

633 Folsom Street, Suite 300

San Francisco, CA 94107

In your letter, give us the following information: 

• Account Information: Your name and Kikoff Credit Account number. 
• Dollar Amount: The dollar amount of the suspected error. 
• Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential errors and you may have to pay the amount in question.

WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER. 

When we receive your letter, we must do two things: 

(1) Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 

(2) Within 90 days of receiving your letter, we must either correct the error or explain why we believe the statement was correct.

While we investigate whether or not there has been an error: 

• We cannot try to collect the amount in question or report you as delinquent. 
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
• We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen: 

• If we made a mistake: You will not have to pay the amount in question, or any interest or other fees related to that amount. 
• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe, and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES

If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 

(1) The purchase must have been made in your home State or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 

(2) You must have used your credit card for the purchase. 

(3) You must have not yet fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Kikoff Lending, LLC, Account Services, 633 Folsom Street, Suite 300, San Francisco, CA 94107.

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent.

PROTECTIONS UNDER THE MILITARY LENDING ACT

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent (a "Covered Borrower") may not exceed an annual percentage rate of 36 percent. You are a Covered Borrower if at the time of establishing this account you are an active duty service member or an active Guard or Reserve duty member, or you are a qualifying dependent of that member. If you are a Covered Borrower, the provisions of this Kikoff Credit Account Agreement relating to arbitration do not apply to your Account involving consumer credit.

Oral Disclosure: If you are a Covered Borrower, you may obtain information about the account, including information about the payment obligation, by calling us toll-free, at (844) 741-9259.

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