WEBSITE TERMS OF USE
Important Legal Information

Overview:

The following rules and regulations apply to all visitors to or users of Venue's Web Site, the home page of which is at www.Venue.com. By using this Web site, you agree to be bound by these rules and regulations, as they may be modified by Venue at any time and posted on this Web site. In the event of a violation of these rules and regulations, Venue reserves the right to seek all remedies available by law and in equity.

Limited License:

Venue Web Site and all of its materials, including, but not limited to, its software or HTML code, scripts, text, artwork, photographs, images, video, and audio (collectively, "Materials" ) are protected by copyright laws and other U.S. and international laws and treaties. All Materials are provided by Venue as a service to its current and prospective customers and may be used only for personal informational and product ordering purposes and only if you also retain all copyright and other proprietary notices contained on the Materials. No right, title or interest in our Materials is conveyed to you This is a limited license, not a transfer of title to our Materials, and such license is subject to the following restrictions: (a) you may not copy, reproduce, publish, transmit, distribute, perform, display, post, modify, create derivative works from, sell, license or otherwise exploit this site or any of its Materials without our prior written permission; (b) you may not access or use the Venue Web Site for any competitive or commercial purpose; and (c) you will not permit any copying of our Materials. Any unauthorized copying, alteration, distribution, transmission, performance, display, or other use of these Materials is prohibited. Venue may revoke this limited license at any time for any or no reason. All rights not expressly granted are reserved by Venue.

Trademarks:

Venue and its affiliated companies retain all rights regarding their trademarks, trade names, brand names and trade dress. These marks, names or trade dress, and all associated logos or images, are registered and/or common law trademarks of Venue and Venue.com and are protected by U.S. and international laws and treaties. No license to the use of such marks, names or trade dress is granted to you under these terms and conditions or by your use of the Venue Web Site. Your misuse of the trademarks displayed on the Venue Web Site is strictly prohibited. You are also advised that Venue will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of civil remedies and criminal prosecution.

Patents:

One or more patents may apply to this website, including without limitation U.S. patent nos. 5528490, 5761649, 6029142.

Linking:

Periodically, links may be established from this Web Site to one or more external web sites or resources operated by third parties (the "Third Party Sites"). These links are provided for your convenience only. In addition, certain Third Party Sites also may provide links to the Venue Web Site. None of such links should be deemed to imply that Venue endorses the Third Party Sites or any content therein. Venue does not control and is not responsible or liable for any Third Party Sites or any content, advertising, products, or other materials on or available from such Third Party Sites. Access to any Third Party Sites is at your own risk and Venue will have no liability arising out of or related to such web sites and/or their content or for any damages or loss caused or alleged to be caused by or in connection with any purchase, use of or reliance on any such content, goods, or services available on or through any such Third Party Site.

Special Notice:

Venue has a no-tolerance policy regarding the use of our trademarks or names in metatags and/or hidden text. Specifically, the use of our trademarks or names in metatag keywords is trademark infringement, and the use of trademarks or names in page text, metatags, and/or hidden text for purposes of gaining higher rankings from search engines is unfair competition. Linking to any Venue web page is prohibited absent express written permission from Venue. Framing, inline linking or other association of the Venue Web site or its Materials with links, advertisements and/or other information not originating from the Venue web site is expressly prohibited.

One or more patents may apply to this Website, including without limitation: U.S. Patent Nos. 5,528,490; 5,761,649; and 6,029,142.

Disclaimer of Warranty:

Access to Venue Web Site is provided to our customers and prospective customers "AS IS" and "AS AVAILABLE" and without warranty of any kind, whether express or implied, INCLUDING BUT NOT LIMITED TO, THOSE OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NONINFRINGEMENT. Some jurisdictions do not allow the disclaimer of implied warranties. In such jurisdictions, the foregoing disclaimer may not apply to you. Venue reserves the right to block or deny access to the Web Site to anyone at any time for any reason.

Jurisdiction:

Venue controls this Web Site from its offices within the State of California. Venue does not imply that the materials published on this Web Site are appropriate for use outside of the United States. If you access this Web Site from outside of the United States, you do so on your own initiative and you are responsible for compliance with local laws. The terms of this Web Site shall be governed by the laws of the state of California, without giving effect to its conflict of laws provisions.

Your Communications:

Venue shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Web Site for any purpose whatsoever including, but not limited to, developing, manufacturing and marketing products using such information. Any personally identifiable information you provide to Venue through the Web Site shall be subject to the Web Site's Privacy Policy.

Limitation of Liability:

IN NO EVENT WILL VENUE BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES FOR USE OF THIS SITE OR ANY OTHER HYPERLINKED WEB SITES INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR REVENUES, COSTS OF REPLACEMENT, BUSINESS INTERRUPTIONS, LOSS OF DATA OR DAMAGES RESULTING FROM USE OF OR RELIANCE ON THE INFORMATION PRESENT, EVEN IF VENUE IS EXPRESSLY ADVISED ABOUT THE POSSIBILITY OF SUCH DAMAGES. In some jurisdictions, limitations of liability are not permitted. In such jurisdictions, the foregoing limitations on liability may not apply to you.

Revisions:

Venue may terminate, change, suspend or discontinue any aspect of this Web Site, including the availability of any features of the site, at any time and without notice. Venue also reserves the right, at its sole discretion, to change, modify, add or remove any portion of these terms in whole or in part, at any time and without notice. Venue may terminate the authorization, rights and license given above at any time and without notice. Your continued use of this Web Site after any changes to these terms are posted will be considered acceptance of those changes.

Errors on Our Site:

Prices and availability of products and services are subject to change without notice. Errors will be corrected where discovered, and Emporium reserves the right to revoke any stated offer and to correct any errors, inaccuracies or omissions including after an order has been submitted and whether or not the order has been confirmed and your account/credit card charged. If your account/credit card has already been charged for the purchase and your order is cancelled, Emporium will issue a credit to your account in the amount of the charge. Individual bank policies will dictate when this amount is credited to your account.
 
 
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Offer Terms include the following:
Loan offer amount: $300 to $3,100 (The amount of your loan will not exceed the amount financed to complete the retail purchase.) Annual Percentage Rate (APR): 11.75% to 28.9%. APR may vary depending upon individual's state of residence and credit profile. Loan offer term: 3 months to 36 months

Repayment Example #1: No down payment is required. If the amount financed is $1,000, at 18% APR, and the repayment term is 20 months, your monthly payment will be $58 per $1,000 financed.

Repayment Example #2: No down payment is required. If the amount financed is $1,000, at 28.9% APR, and the repayment term is 20 months, your monthly payment will be $64 per $1,000 financed.

Annual Percentage Rates of interest vary by state: Your repayment terms may differ from those disclosed above, depending upon your state of residence and the interest rate or finance charge permitted under the laws of your state. Your actual Annual Percentage Rate of interest will be disclosed to you in the Retail Installment Agreement that will be provided to you for your review prior to the consummation of the transaction and your becoming obligated under the Agreement.

IMPORTANT INFORMATION ABOUT OPENING AN ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth or other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Customers Receiving Preapproved Credit Offers: When ordering by phone you may be selected for a preapproved account offer based upon the information in your credit report which satisfied our criteria for creditworthiness. If applicable, you must respond by the expiration date of the offer. Credit may not be extended if after you respond, (i) we find that you do not meet the criteria for creditworthiness used to select you for this offer; (ii) you are below the age required to create a valid contract; (iii) we determine that you have fraudulently altered the information provided to us; or (iv) we receive your response to this offer after such offer has expired.
You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE below for more information about prescreened offers.
PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688; or write: Experian, PO Box 919, Allen, TX 75013; TransUnion, PO Box 97328, Jackson, MS 39288; Equifax, PO Box 740123, Atlanta, GA 30374.
Should you later decide that you do wish to receive preapproved offers, you may remove the prohibition on use of your credit report information by notifying the above agencies.

COLLECTION AND USE OF BANK ACCOUNT INFORMATION:
If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.