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Layaway Policies


 

Sterling Guaranteed 30 Layaway Program


General:


    - Customer agrees to make full payment for the order consisting of a 10% (ten percent) deposit payment and a 90% (ninety percent) balance payment within 30 (thirty) days.

    - Customer agrees to make one 10% (ten percent) down payment which begins a 30-day time period to complete payment for the order. This initial payment includes shipping charges which are added to the 10% down payment amount.

    - Customer further agrees to make payment for the 90% (ninety percent) balance due by midnight on the 30th (thirtieth) day from the date the initial 10% (ten percent) deposit was applied.

    - If the 30th (thirtieth) day falls on a weekend or holiday then the single 90% (ninety percent) balance payment is due by midnight of the next business day.

    - Final Payment (90% Balance) must ARRIVE at our office prior to expiration, or the order expires and the 10% will ship automatically.

    - 10% (ten percent) of your order ships 3 business days after expiration if no final payment is made.

 

1. Payment Policy: The rate on the order is locked when payment is made. Payment for the 10% deposit is considered made as follows:
    - Mail Payments:   The rate is locked at 5 PM Eastern Time the day of your postmark. The balance on a Layaway order is due thirty days from the date the payment is applied to the order and the status goes to Deposit Received.

    - Wire Transfer Payments: The rate locks as of the timestamp when the funds leave the sending bank. The balance on a Layaway order is due thirty days from the date the deposit is applied to the order and the status goes to Deposit Received.
    - eCheck Payments: The rate is locked the moment the order is placed with valid billing information. The balance on a Layaway order is due thirty days from the date the payment is applied to the order and the status goes to Deposit Received and MUST be made by mail or wire.


    - Final Payment (90% Balance) must ARRIVE at our office prior to expiration.

 

2. Refund Policy: Deposits made on Layaway Orders are NON-REFUNDABLE. Orders that have only received a 10% down payment and are not fulfilled entirely will receive a shipment of product equal to 10% of the original order after the expiration period. Our 7-Day Money Back Guarantee applies ONLY to shipped orders.

 

3. Choice of Law and Jurisdiction: The laws of the State of Georgia shall govern this Agreement. Customer agrees that the federal and state courts situated within Fulton County, Georgia have exclusive jurisdiction and venue for the resolution of any dispute between Customer and Sterling. Customer consents to personal jurisdiction and venue in any federal or state court of competent jurisdiction situated within Fulton County, Georgia, and hereby expressly waives any objection to personal jurisdiction or venue in any such court.

 

4. Disclaimer: We discourage customers from ordering currency and speculating on a rapid increase in value of the currency. We make layaway orders available for customers who wish to lock in a rate but need time to make full payment for an order placed. No one knows when or if a change in value of any currency is going to occur. We strongly advise customers to conduct their own research on any currency they are considering before making a purchase. We advise everyone to be wary of salacious rumors or hype that may be presented on the internet or elsewhere. We will not grant extensions beyond the 30-day layaway period – no exceptions. This layaway program is in no way to be considered an option contract, currency future option, or an investment method for leveraging.

 

 

Sterling 45 Layaway Program


General:


    - Customer agrees to make full payment for the order consisting of a 5% (five percent) deposit payment and a 95% (ninety-five percent) balance payment within 45 days.
    - Customer agrees to make one 5% (five percent) down payment which begins a 45-day time period to complete payment for the order.

    - Customer further agrees to make a payment for the 95% (ninety-five percent) balance due by midnight on the 45th day from the date the initial deposit was applied. If the 45th day falls on a weekend or holiday then the single balance payment is due by midnight of the next business day.

    - Deposit payment is forfeited if the 95% balance is not received within the 45-day layaway period.


1. Payment Policy: The rate on the order is locked when payment is made. Payment is considered made as follows:
    - Mail Payments: The rate is locked at 5 PM Eastern Time the day of your postmark. The balance on a Layaway order is due thirty days from the date the payment is applied to the order and the status goes to Deposit Received.
    - Wire Transfer Payments: The rate locks as of the timestamp when the funds leave the sending bank. The balance on a Layaway order is due thirty days from the date the deposit is applied to the order and the status goes to Deposit Received.
    - eCheck Payments: The rate is locked the moment the order is placed with valid billing information. The balance on a Layaway order is due thirty days from the date the payment is applied to the order and the status goes to Deposit Received and MUST be made by mail or wire.


2. Refund Policy: Deposits made on these Layaway Orders are NON-REFUNDABLE. Deposits are forfeited if the balance due is not received within the 30-day layaway expiration period. Our 7-Day Money Back Guarantee applies ONLY to shipped orders.


3. Choice of Law and Jurisdiction: The laws of the State of Georgia shall govern this Agreement. Customer agrees that the federal and state courts situated within Fulton County, Georgia have exclusive jurisdiction and venue for the resolution of any dispute between Customer and Sterling. Customer consents to personal jurisdiction and venue in any federal or state court of competent jurisdiction situated within Fulton County, Georgia, and hereby expressly waives any objection to personal jurisdiction or venue in any such court.

4. Disclaimer: We discourage customers from ordering currency and speculating on a rapid increase in value of the currency. We make layaway orders available for customers who wish to lock in a rate but need time to make full payment for an order placed. No one knows when or if a change in value of any currency is going to occur. We strongly advise customers to conduct their own research on any currency they are considering before making a purchase. We advise everyone to be wary of salacious rumors or hype that may be presented on the internet or elsewhere. We will not grant extensions beyond the 30-day layaway period – no exceptions. This layaway program is in no way to be considered an option contract, currency future option, or an investment method for leveraging.

 

 

Layaway Program for Non-dinar Currencies


General:

    - Customer agrees to make full payment for the order consisting of a 10% (ten percent) deposit payment and a 90% (ninety percent) balance payment within 30 (thirty) days.
    - Customer agrees to make one 10% (ten percent) down payment which begins a 30-day time period to complete payment for the order.

    - Customer further agrees to make a payment for the 90% (ninety percent) balance due by midnight on the 30th (thirtieth) day from the date the initial deposit was applied. If the 30th (thirtieth) day falls on a weekend or holiday then the single balance payment is due by midnight of the next business day.

    - Deposit payment is forfeited if the 90% balance is not received within the 30-day layaway period.


1. Payment Policy: The rate on the order is locked when payment is made. Payment is considered made as follows:
    - Mail Payments: The rate is locked at 5 PM Eastern Time the day of your postmark. The balance on a Layaway order is due thirty days from the date the payment is applied to the order and the status goes to Deposit Received.
    - Wire Transfer Payments: The rate locks as of the timestamp when the funds leave the sending bank. The balance on a Layaway order is due thirty days from the date the deposit is applied to the order and the status goes to Deposit Received.
    - eCheck Payments: The rate is locked the moment the order is placed with valid billing information. The balance on a Layaway order is due thirty days from the date the payment is applied to the order and the status goes to Deposit Received and MUST be made by mail or wire.


2. Refund Policy: Deposits made on these Layaway Orders are NON-REFUNDABLE. Deposits are forfeited if the balance due is not received within the 30-day layaway expiration period. Our 7-Day Money Back Guarantee applies ONLY to shipped orders.


3. Choice of Law and Jurisdiction: The laws of the State of Georgia shall govern this Agreement. Customer agrees that the federal and state courts situated within Fulton County, Georgia have exclusive jurisdiction and venue for the resolution of any dispute between Customer and Sterling. Customer consents to personal jurisdiction and venue in any federal or state court of competent jurisdiction situated within Fulton County, Georgia, and hereby expressly waives any objection to personal jurisdiction or venue in any such court.

4. Disclaimer: We discourage customers from ordering currency and speculating on a rapid increase in value of the currency. We make layaway orders available for customers who wish to lock in a rate but need time to make full payment for an order placed. No one knows when or if a change in value of any currency is going to occur. We strongly advise customers to conduct their own research on any currency they are considering before making a purchase. We advise everyone to be wary of salacious rumors or hype that may be presented on the internet or elsewhere. We will not grant extensions beyond the 30-day layaway period – no exceptions. This layaway program is in no way to be considered an option contract, currency future option, or an investment method for leveraging.

 

Sterling Currency Group knows you care how your information is used, and we appreciate your trust that we will use it carefully and sensibly. This notice describes our privacy policy.
By visiting us and placing an order, you are accepting the privacy policy described below.

1. What Personal Information Do We Collect?
- Information You Provide. We receive and store information you enter (for example, when you search for or buy a product, or when you supply information such as your address, phone number or email address). We use the information that you provide for such purposes as responding to your requests, improving our website, and communicating with you.
- Cookies. Like many websites, we use "cookies." Cookies are small programs that we transfer to your hard drive that allow us to recognize you and to provide you with a customized shopping experience. If you do not want us to use cookies, you can easily disable them by going to the toolbar of your web browser and clicking on the “help” button. Follow the instructions that will prevent the browser from accepting cookies, or set the browser to inform you when you receive a new cookie. In addition, you may visit this and other websites anonymously through the use of utilities provided by other private companies.
- Other Information: Every computer has an IP (Internet Protocol) address. IP addresses of computers used to visit this site are noted. In addition, we automatically collect other information such as email addresses, browser types, operating systems, and the URL addresses of sites clicked to and from this site.

2. How Do We Use Your Information?
- Special Offers. We or our affiliates may send you special offers and notices from time to time.
- Law Enforcement. If we receive a lawful court order to release account or other personal information then we will comply with the law. We will also release information when necessary to protect the life, safety or property of others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.

3. How Do We Protect the Security of Your Information?
- We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.
- We use encryption to protect your information contained in our customer list.
- We use a firewall to protect against unlawful intrusion.
- We limit access to your information on a “need to know” basis.
- It is important for you to protect against unauthorized access to your password and to your computer. Be sure to sign off when finished using a shared computer.

4. Children
We do not sell products or services to children. If you are under 18, you may use this site only with involvement of a parent or guardian.

5. Other Websites
Various websites may be linked to from this site (i.e.; Better Business Bureau, CBI, etc). If you link to another site, your privacy depends on the policy of that site. We strongly urge you to check their privacy policy. Not all sites guarantee that they will not share your personally identifiable information with others. You may also wish to consult privacy guidelines such as those recommended by the Online Privacy Alliance (www.privacyalliance.org).

6. Contact Us
If you would like to learn more about our privacy policy you may contact us at (888) 346-2771. We reserve the right to modify this policy in the future.