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Apply Now For Dell Preferred Account
Please select "Important Credit Information" below for account details before completing this Credit Application.
Important Credit Information
This is my application for the Dell Preferred Account.
Dell Preferred Account is a Revolving Line of Credit which is only available for personal purchases and home use.
I understand that my APR and credit limit may vary with my creditworthiness, as determined by WebBank in cooperation with Dell Financial Services.
I understand that I may be able to take advantage of Promotional Financing Offers when I use my Dell Preferred Account to purchase the goods or services to which the offers apply.
Future purchases may be subject to different terms and promotions. Eligibility requirements for Promotional Financing Offers vary, and must be satisfied in order to receive promotion. Approval for the Dell Preferred Account does not guarantee eligibility for Promotional Financing Offers.
By completing the online Credit Application form below, I agree that I am of legal age to enter into a binding agreement.
Upon approval and verification, I understand that I can begin making purchases with my Dell Preferred Account immediately and that minimum monthly payments are required. Payments are equal to 3% or $20, whichever is greater.
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(Ex. Apt 13B)
By providing this information, you authorize Dell to contact
you regarding your account, via text message, or telephone,
including the use of pre-recorded or auto-dialed calls. Normal
mobile phone charges or text message rates may apply.
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Why Dell asks for your e-mail
Personal Information
In order for us to process your application for credit and to help us confirm your identity, we require some additional information. This is a secure transaction.
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Alimony, child support or separate maintenance income need not be revealed
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--Why Dell asks for your SSN
Optional Products
I want to enroll in the Credit Protection PlanLearn More
(Credit Protection Plan is not available in Alaska, Guam, Hawaii, Massachusetts, Minnesota, Nevada, Puerto Rico, and U.S. Virgin Islands.)
You must scroll to the bottom for consent to become available.
Consent to Electronic Disclosures for the Credit Protection Plan
Please read this information carefully and print and/or retain for future reference.
Introduction. By providing your consent; you will review, complete, acknowledge and/or sign electronic disclosures for the purpose of enrolling in the optional Dell Preferred Account™ Credit Protection Plan. This Consent to Electronic Records informs you of your rights when conducting these transactions electronically. By consenting below, you acknowledge receipt of this Consent to Electronic Records and agree to the electronic delivery of any disclosures required by law including disclosures relating to the Credit Protection Plan (hereinafter "Records") at this website or through the electronic mail address you provide.
Hardware and Software Requirements. Before agreeing to receive Records electronically, you must determine if you have the necessary hardware and software to access and retain these Records electronically. You will need an active email address as well as a web browser that meets the security requirements of our site, specifically the latest two versions of Microsoft Internet Explorer or the latest version of Firefox and/or Google Chrome. For the latest versions, please visit www.firefox.com; www.google.com/chrome; or www.microsoft.com/windows/internet-explorer. You will also need the latest versions of Adobe Acrobat Reader, which may be downloaded from www.adobe.com.
To access your Records, you will need a personal computer or other access device that is capable of accessing the Internet. To retain your Records, your access device must have the ability to download to your hard drive or any external media storage, or print the Records.
You should check the software requirements frequently for updates. From time to time, we may offer services or features that require that your web browser be updated or reconfigured.
Updating contact information: You are responsible for maintaining an email address that is active and can receive emails from the Dell Preferred Account ™ Credit Protection Plan Administrator. If your email address or other contact information changes, call 1-877-511-4552 Monday through Friday 8 AM to 8 PM Eastern Time or write to Dell Financial Services Plan Administrator, PO Box 105272, Atlanta, GA 30348-5272.
Right to Withdraw Consent and Procedures for Withdrawal: You may withdraw your consent to receive your Records electronically at any time. Call 1-877-511-4552 Monday through Friday 8 AM to 8 PM Eastern Time or write to Dell Financial Services Plan Administrator, PO Box 105272, Atlanta, GA 30348-5272. Withdrawing your consent will not affect the validity of any disclosure already provided. If you decide to withdraw your consent before your request for enrollment has been processed, your transaction cannot be completed.
Consent Applies to the Dell Preferred Account ™ Credit Protection Plan Amendment to Accountholder Agreement: Your Consent to Electronic Records applies to your request for enrollment in the optional Dell Preferred Account ™ Credit Protection Plan you submit through Dell.com and to those creditors and providers of credit-related products and services to whom Dell.com may forward your Requests or Enrollments. You will receive any Records required by law at this website or through the electronic mail address you provide.
Option to obtain paper copies of Records: You have the option to request that Dell.com and those creditors and providers of credit-related products and services to whom Dell.com may forward your Requests of Enrollments provide you with paper copies of those Records you receive electronically through this website or through the electronic mail address you provide. If you wish to receive the Records in non-electronic form, call 1-877-511-4552 Monday through Friday 8 AM to 8 PM Eastern Time or write to Dell Financial Services Plan Administrator, PO Box 105272, Atlanta, GA 30348-5272 and provide your mailing address. Your request may be subject to a fee, unless otherwise prohibited by law. Please see your account agreement for additional detail.
By providing your Consent to Electronic Documents, you agree:
  • To conduct Transactions electronically at this website or through the email address you provide;
  • To receive Records electronically at this website or through the electronic mail address you provide; and
  • To download or print the records received for your files.
Other Important terms and conditions: You agree that we will not be liable for any delay or failure in performance or for any interruption arising from any cause or circumstance beyond our reasonable control. You will not send any computer virus or other message that could damage our systems.
You further agree that you may not assign or transfer this consent and that any attempt to assign or transfer this consent by you shall be null and void. This consent shall be construed according to federal law, including the Electric Signatures in Global and National Commerce Act and, to the extent state law applies, the law of Utah. We reserve the right to send paper disclosures in lieu of electronic Communications. We also reserve the right to change any term described in this consent.
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Terms and Conditions for the Credit Protection Plan
Read the notice below carefully and print and/or download a copy for your records.
DELL PREFERRED ACCOUNT ™ CREDIT PROTECTION PLAN
Amendment to Dell Preferred Account ™ Credit Agreement
PLEASE READ THIS AMENDMENT CAREFULLY.
IT DESCRIBES IMPORTANT LIMITATIONS, EXCLUSIONS AND REQUIRED PROCEDURES
RELATING TO THE DELL PREFERRED ACCOUNT ™ CREDIT PROTECTION PLAN.
The Dell Preferred Account ™ Credit Protection Plan (the “Plan”), offered by WebBank, is optional coverage you purchase relating to your Dell Preferred Account ™ Credit Agreement (“Credit Agreement”) that may credit your Dell Preferred Account ™ Minimum Payment Due when you submit and are approved for Plan benefits for a “Covered Event.” This Plan Amendment is part of your Credit Agreement. All provisions of your Credit Agreement will continue to apply except as provided otherwise in your Credit Agreement or this Amendment.
Definitions:
The Credit Protection Plan and this Plan Amendment apply to the Dell Preferred Account ™ (“Account”) described in your Notification of Enrollment upon approval.
In this Amendment, “you” and “your” mean the primary Accountholder.
“We,” “ours,” and “us” mean WebBank, the lender under the Account, and any party who obtains its rights and/or becomes liable for its obligations under the Credit Agreement.
“Accidental Death” is defined below in the section entitled “’Accidental Death’ Defined.”
A “Covered Event” is defined below in the section entitled “Description of the Benefits.”
“Disability” is defined below in the section entitled “Disability.”
“Higher Wage Earner” means an individual who lives in the same household as you and is receiving more employment income than you are receiving immediately prior to the Covered Event. We have the right to require proof of your employment income and the employment income of any person you assert is a Higher Wage Earner. We also have the right to require proof of your address and the address of any person you assert is a Higher Wage Earner, including one or more of the following: driver’s license, tax form, payroll form, utility or other acceptable document.
“Hospitalization” is defined below in the section entitled “Hospitalization defined.”
“Involuntary Unemployment” is defined below in the section entitled “’Involuntary Unemployment’ defined.”
“Leave of Absence” is defined below in the section entitled “Leave of Absence Defined.”
“Life Event” is defined below in the section entitled “’Life Event’ Defined.”
“Loss of Life” is defined below in the section entitled “’Loss of Life’ Defined.”
Description of the Benefits:
Plan benefits are initiated by our determination that you or a Higher Wage Earner have experienced a “Covered Event” (Involuntary Unemployment, Disability, Leave of Absence, Hospitalization, or Life Event) that a Higher Wage Earner experienced Accidental Death, or that you experienced Loss of Life. We define below the Covered Events for which you are entitled to benefits and we describe below the conditions and limitations on benefits relating to Covered Events and the maximum periods for which you can receive benefits for different Covered Events. For each month you are entitled to benefits, we will give you a credit equal to the current Minimum Payment Due for that month. The initial credit will apply to the first Minimum Payment billed after the date we make the determination that you are eligible for benefits. In the event of a Covered Event involving a Higher Wager Earner’s Accidental Death or your Loss of Life, we will credit your Account the outstanding statement balance at the time of the death up to $10,000. (You will remain liable for any remaining amount.) While you are receiving benefits, you may not use your Account either for normal purchases or for pre-authorized purchases. The Plan is not insurance.
Important Limitations on Benefits:
General Requirements: To qualify for benefits, you must be actively enrolled in the Plan at both (a) the time of the Covered Event for which you are seeking benefits and (b) the time you notify the Plan Administrator of the Covered Event. You are actively enrolled in the Plan if you are a plan participant, and your Account is in good standing. Thirty (30) days after the date you become enrolled in the Plan, you may request Plan benefits for Covered Events that take place or commence while you are enrolled in the Plan. YOU MUST APPLY FOR BENEFITS WITHIN 365 CALENDAR DAYS AFTER A COVERED EVENT OR YOU FORFEIT THE RIGHT TO BENEFITS FOR THAT COVERED EVENT. YOU WILL NOT RECEIVE ANY BENEFIT UNTIL WE DETERMINE THAT YOU OR A HIGHER WAGE EARNER HAVE EXPERIENCED A COVERED EVENT QUALIFYING YOU FOR BENEFITS. You must provide evidence of the occurrence of any Covered Event and regular verification of any Involuntary Unemployment, Disability, and Leave of Absence or Active Military Service that we reasonably require. If we do not receive required evidence, your benefits will be denied or discontinued. You may reapply for any denied or discontinued benefit if you provide the required evidence which may entitle you to receive the unpaid benefit for the remaining benefit period of the Covered Event. THERE MUST BE A ONE MONTH PERIOD BETWEEN ACTIVATING BENEFITS FOR DIFFERENT COVERED EVENTS, WITH THE EXCEPTION OF ACTIVATION OF BENEFITS FOR HOSPITALIZATION AND A SUBSEQUENT ACTIVATION OF BENEFITS FOR DISABILITY MAY OCCUR AT ANY TIME.
Potential Denial of Benefits or Suspension from Program: You will NOT qualify for benefits if any portion of your required Account payment is or becomes more than ninety (90) days past due on the day we review a request for Plan benefits. You will be suspended from the Plan if, as of the end of any billing period, any portion of your required payment due is more than ninety (90) days past due. If you bring your Account current during the ninety (90) days after you are suspended from the Plan, you will be reinstated in the Plan. You do not need to apply for reinstatement and you will not receive any advance notice of reinstatement. Your participation in the Plan will end if and when your Account is paid in full and closed by us for any reason. Participation in the Plan will continue if your Account is closed and still has an account balance.
Your Obligation to Make Payments until You Receive Notice That You Are Entitled to Benefits: You do not qualify for benefits until we determine that you qualify. Until you are notified that you are entitled to Plan benefits, we will continue to bill you for the Current Minimum Payment Due and you must continue to pay such amount. While we may continue to bill you for the Current Minimum Payment Due after you are notified that you are entitled to Plan benefits, you will not need to pay such amount so long as you continue to qualify.
Limits on Use of Account after Covered Event: You promise that you will not make any fraudulent request for Plan benefits or provide us with any inaccurate or misleading information concerning any request for Plan benefits. You agree that you will not use your account while receiving benefits for a Covered Event. After applying for benefits, you must cancel all automatic or prearranged charges to your Account. Your use of your Account in violation of this subparagraph may result in a denial or discontinuation of benefits.
Reasons Why Benefits May End: Once begun, your benefits will end if: (a) the Covered Event ends; (b) you fail to provide in a timely basis necessary evidence that the Covered Event is continuing; (c) you have received benefits for the maximum period available; (d) you die (except you may be entitled to benefits for Loss of Life); (e) you file for bankruptcy; (f) you use your Account in violation of this Amendment; or (g) we discover that any information you provided in connection with your request for benefits was intentionally inaccurate.
Involuntary Unemployment:
“Involuntary Unemployment” Defined: “Involuntary Unemployment” means that you or a Higher Wage Earner suffered a total loss of salary or wages because of the loss of non-seasonal employment due to layoff; general strike; lockout; or involuntary termination of employment by the employer (excluding termination for willful or criminal misconduct). To be entitled to Involuntary Unemployment benefits, you or the Higher Wage Earner, as the case may be, must have been continuously working for salary or wages for at least 30 hours per week (15 hours per week if you or the Higher Wage Earner are also a full-time student) for the 90 calendar days immediately before you or the Higher Wage Earner became unemployed, and the employer must not be a member of your household. You or the Higher Wage Earner must also qualify for state unemployment benefits or register for work at a recognized employment agency before you can qualify for benefits, and you or the Higher Wage Earner must remain so qualified or registered so long as you are receiving benefits.
Benefit Period: Involuntary Unemployment benefits will be provided for the lesser of: (a) twelve (12) billing periods; or (b) the number of full months for which you provide satisfactory evidence of the continuation of the Involuntary Unemployment.
Exclusions: You do NOT qualify for Involuntary Unemployment benefits if you or the Higher Wage Earner, as applicable is retired, self-employed or employed by a member of your household or if you or the Higher Wage Earner becomes involuntarily unemployed due to:
(a) Voluntary forfeiture of employment, salary or wages;
(b) Resignation or retirement;
(c) Disability, whether caused by sickness, illness, disease, accident, injury, pregnancy or other cause;
(d) Willful or criminal misconduct;
(e) Scheduled termination of an employment contract;
(f) The temporary or permanent discontinuation of business of a sole proprietorship or partnership where you or the Higher Wage Earner is the sole proprietor or a partner;
(g) End of seasonal employment;
(h) Involuntary Unemployment for which you have already received the maximum benefits; or,
(i) Involuntary Unemployment that commences prior to your enrollment in the Plan.
For more information, please also refer to the section “Important Limitations on Benefits.”
Disability:
“Disability” Defined: “Disability” means that you or a Higher Wage Earner suffers an accident or illness that prevents you or the Higher Wage Earner from performing for at least thirty (30) consecutive days the normal duties of your occupation or the occupation of the Higher Wage Earner. If you or the Higher Wage Earner is not employed outside the home, “Disability” means that you or a Higher Wage Earner suffers an injury or illness that prevents you or the Higher Wage Earner from performing all the normal actions of daily living of a person of like age or sex as certified by a physician. To be entitled to Disability benefits, you or the Higher Wage Earner must be under the continuous treatment of a physician (not a member of your household or family) who will verify the Disability.
Benefit Period: Disability benefits will be provided for the lesser of: (a) twelve (12) billing periods; or (b) the number of full months for which you provide satisfactory evidence of the continuation of the Disability. If the benefit is combined with any Hospitalization benefit for the accident or illness giving rise to the Disability, the maximum benefit period is thirteen (13) billing periods.
Exclusions: You do NOT qualify for Disability benefits if you are unable to perform the normal duties of your occupation, or suffer an accident or illness due to:
(a) Childbirth;
(b) Normal pregnancy;
(c) Intentionally self-inflicted injuries;
(d) Disability for which you have already received the maximum benefits; or,
(e) Disability that commences prior to your enrollment in the Plan.
(f) A Pre-existing Medical Condition, which means that the Covered Person has been treated by or consulted with a licensed physician three (3) months or less prior to the Effective Date of your enrollment under the Plan and that condition is the cause of the Disability for which benefits are requested within three (3) months after the Effective Date.
For more information, please also refer to the section “Important Limitations on Benefits.”
Leave of Absence:
“Leave of Absence” Defined: “Leave of Absence” means an employer-approved leave of absence from non-seasonal employment for you or a Higher Wage Earner for any reason approved by your employer, other than the birth or adoption of a new child. To be entitled to Leave of Absence benefits, the leave of absence must be scheduled to last at least one month. You or the Higher Wage Earner, as the case may be, must have been continuously working for salary or wages for at least 30 hours per week (15 hours per week if you or the Higher Wage Earner are also a full-time student) for the 90 calendar days immediately before you or the Higher Wage Earner begin a Leave of Absence, and the employer must not be a member of your household. Also, you must provide documentation in the form of a letter from your employer verifying that you have been granted an employer-approved leave of absence and stating the reason for the leave of absence.
Benefit Period: Leave of Absence benefits will be provided for the lesser of: (a) three (3) billing periods; or, (b) the number of full months for which you provide satisfactory evidence of the continuation of the Leave of Absence.
Exclusions: You do NOT qualify for Leave of Absence benefits if:
(a) You or the Higher Wage Earner (whoever is experiencing the Leave of Absence) is retired, self-employed or is employed by a member of your household;
(b) You or the Higher Wage Earner (whoever is experiencing the Leave of Absence) is employed in a seasonal job;
(c) You or the Higher Wage Earner (whoever is experiencing the Leave of Absence) is a sole proprietor or a partner in the business in which you or the Higher Wage Earner (as applicable) is employed;
(d) It is a Leave of Absence for which you have already received the maximum benefits;
(e) You or the Higher Wage Earner requested Leave of Absence prior to the time of your enrollment in the Plan; or,
(f) Leave of Absence is due to the birth or adoption of a new child.
For more information, please also refer to the section “Important Limitations on Benefits.”
Hospitalization:
“Hospitalization” Defined: “Hospitalization” means you or Higher Wage Earner stays for one or more nights in any licensed medical hospital, psychiatric hospital, convalescent nursing facility, residential drug facility, or hospice facility under a physician’s care.
Benefit Period: Benefits for any Hospitalization are provided for a single billing period when we determine that you have provided satisfactory evidence of Hospitalization within the past 365 days, provided that you may not receive multiple Hospitalization benefits for the same event, for Hospitalizations in the same month or for a Hospitalization during a month for which you receive Disability benefits.
Exclusions: You do NOT qualify for Hospitalization benefits if your hospital stay is due to:
(a) Childbirth;
(b) Normal pregnancy;
(c) Intentionally self-inflicted injuries;
(d) Hospitalization in the same month or the month following a Hospitalization for the same accident or illness for which you have previously received benefits under the Plan; or,
(e) Hospitalization that commences prior to your enrollment in the Plan.
For more information, please also refer to the section “Important Limitations on Benefits.”
Life Events:
“Life Event” Defined: “Life Event” means, for you or a Higher Wage Earner, marriage or entry into a formal domestic partnership recognized by the law of your state; divorce or dissolution of a formal domestic partnership recognized by the law of your state; the birth or adoption of a new child; a change of primary residence; a call to active military service; active, full-time enrollment of you, a Higher Wage Earner or a child in an accredited college or university program; or, an event giving rise to the declaration of a federal disaster area in the area of your residence or employment.
Benefit Period: If you or a Higher Wage Earner is called to active military service, your Life Event benefits (combined with any Leave of Absence benefits for the same event) will be provided for three (3) billing periods or the period of active military service, whichever is less. Benefits for other Life Events are provided for a single billing period but cannot be combined with benefits for Leave of Absence from the same event.
Exclusions: You do NOT qualify for Life Event benefits due to:
(a) Foster care, guardianship or custodial arrangements;
(b) Separation or annulment;
(c) Undergraduate enrollment of a person whose prior enrollment has already resulted in Life Event benefits; or,
(d) An event that commences or occurs prior to your enrollment in the Plan.
For more information, please also refer to the section “Important Limitations on Benefits.”
Accidental Death:
“Accidental Death” Defined: “Accidental Death” means death of a Higher Wage Earner resulting from accidental contact with another body or object, independent of disease or bodily infirmity or any other cause.
Benefit: Once we determine that a Higher Wage Earner has experienced an Accidental Death, we will provide you with a credit to your Account equal to the outstanding statement balance at the time of the Accidental Death up to $10,000. If your Account balance exceeds the maximum Accidental Death benefit allowed, you or your estate will remain liable for the remaining balance of your Account.
Exclusions: You do NOT qualify for Accidental Death benefits due to:
(a) An accident that occurs prior to your enrollment in the Plan;
(b) Any death that is not accidental; or,
(c) Suicide.
For more information, please also refer to the section “Important Limitations on Benefits.”
Loss of Life
“Loss of Life” Defined: “Loss of Life” means death of the primary Accountholder only, resulting from accident or illness.
Benefit: Once we determine that the primary Accountholder experienced a loss of life, we will provide you with a credit to your Account equal to the balance at the time of the primary Accountholder’s death up to $10,000. If your Account balance exceeds the maximum Loss of Life benefit allowed, the primary Accountholder’s estate will remain liable for the remaining Account balance.
Exclusions: You do NOT qualify for Loss of Life benefits caused by:
(a) Your committing suicide;
(b) Intentionally self-inflicted injuries;
(c) An injury that occurs prior to your enrollment (or re-enrollment) in the Program;
For more information, please also refer to the section “Important Limitations on Benefits.”
Retired or Self-Employed Accountholders:
If you or any Higher Wage Earner is retired or self-employed (or employed by another member of your household), you may qualify for Plan benefits for Disability, Hospitalization, Life Event, Accidental Death or Loss of Life but you will not be entitled to any Involuntary Unemployment or Leave of Absence benefits.
Suitability/Change In Status:
You, not we, are responsible for determining whether Plan benefits are appropriate for you before your enrollment in the Plan and at any time while you are enrolled in the Plan. If, you or the Higher Wage Earner has experienced a change in status and you no longer believe that the benefits are suitable for you, you may cancel by calling the Dell Preferred Account ™ Plan Administrator, toll free at 1-877-511-4552 between 8:00 a.m. and 8:00 p.m., Monday through Friday, Eastern Time, (except for federal holidays when the office is closed) or you may cancel in writing by sending your notice of cancellation to Dell Preferred Account ™ Plan Administrator, P.O. Box 105276, Atlanta, GA 30348-5276 (or such other address as we may provide from time to time).
Requests for Benefits/ Questions Regarding Benefits:
If you want to apply for benefits, cancel the Plan, or have questions, you should contact the Dell Preferred Account ™ Plan Administrator, toll free at 1-877-511-4552 (or such other number as we may provide from time to time) between 8:00 a.m. and 8:00 p.m., Monday through Friday, Eastern Time, except for federal holidays when the office is closed. Written correspondence and other documents should be sent by U.S. mail to: Dell Preferred Account ™ Plan Administrator, P.O. Box 105276, Atlanta, GA 30348-5276 (or such other address as we may provide from time to time). You should keep a copy of any correspondence or document you send the Plan Administrator.
Evidence of Covered Event; Provisional Benefits:
We may require you to provide us with a verification form and evidence that we find satisfactory of the occurrence and continuation of any Covered Event. You will not be entitled to Plan benefits until you provide such evidence and we determine you are entitled to benefits. However, if you satisfactorily answer certain questions during the initial phone call so that we preliminarily determine, in our sole discretion, that you may qualify for benefits you may be granted provisional benefits for one billing period. We may revoke or reverse provisional benefits if: (a) we believe the answers to the questions in the initial report were inaccurate in any way; (b) you fail to submit required verification forms within 30 days; or (c) we determine that you do not qualify for benefits for any reason. If we provide you with provisional benefits, the period of your permanent benefits, if any, will be reduced by the period of provisional benefits you receive. If you receive provisional or other benefits as a result of providing us with information that is untrue or incorrect in any material respect, we may reverse any Plan benefit we have given you in connection with such information. You may reapply for any denied or discontinued benefit if you provide the required evidence which may entitle you to receive the unpaid benefit for the remaining benefit period of the Covered Event.
Waiver of Requirements:
We reserve the right to waive any requirement described above, for any reason in our sole discretion. However, if we do so, we will not be obligated to waive the same requirement in any other situation and our waiver of one or more requirement will not constitute a waiver of any other requirement. Our waiver for one Accountholder does not require us to grant an identical or similar waiver for you or any other Accountholder. A waiver of a requirement may be terminated immediately at any time.
Change in Terms:
We may change the Plan terms at any time. If we make a change that is unfavorable to you or involves an additional charge assessed to you, we will give you 30 days advanced written notice and then 30 days to cancel the Plan without penalty (which will be effective on the date we receive and process your request), and no change will reduce the benefits available to you for any Covered Event for which you are already receiving benefits at the time of such notice. We may terminate the Plan at any time and for any reason but no such termination will reduce the benefits available to you for any Covered Event for which you are already receiving benefits at the time of termination.
Enrollment Cancellation:
You may cancel your enrollment in the Plan at any time and for any reason, without penalty. If you cancel, you must give notice of cancellation by calling the Dell Preferred Account ™ Plan Administrator toll free at 1-877-511-4552 between 8:00 a.m. and 8:00 p.m., Monday through Friday, Eastern Time, (except for federal holidays when the office is closed) or you may cancel in writing by sending your notice of cancellation to Dell Preferred Account ™ Plan Administrator, P.O. Box 105276, Atlanta, GA 30348-5276 (or such other address as we may provide from time to time). Your cancellation of your enrollment in the Plan will result in forfeiture of any benefit you are receiving or for which you have applied at the time of cancellation. If you provide notice of cancellation within 30 calendar days after your enrollment date, we will credit your Account for any Plan fee you have been charged. Otherwise, Plan fees are not refundable. If we cancel your enrollment in the Plan, we will send you written notice of cancellation. Your enrollment in the Plan may be canceled automatically without notice to you if your Account is paid in full and closed by us for any reason. The Plan will be suspended without notice to you if your credit privileges are suspended. Participation in the Plan will continue if your Account is closed and still has an account balance.
Plan Fees:
The monthly fee for the Plan equals 89¢ (or any rate we subsequently specify in a change of terms notice) per $100 of the sum: of (a) your balance subject to interest rate and (b) if applicable, any balance on which interest is being deferred. The Plan fee will be shown on your billing statement and will be added to the Minimum Payment due on the last day of each billing cycle for each billing period during which your Account has a balance. If you do not pay the Current Month Minimum Payment, the Plan fee will be added to your Account balance, and it will increase the amount of interest charges assessed to your Account and your cost of financing. The Plan fee will be charged and a payment is due for all balances on your Account even if payments are forgiven or interest accruals are deferred on such balances. Interest on your Account will continue to accrue while you are receiving benefits, however, the Plan fee will not be charged or shown during any billing period in which you are receiving Plan benefits.
Plan Availability:
To be eligible for enrollment in the Plan: (1) the Plan must be offered in your state of residence; (2) you must have an active Account; (3) your Account must not be delinquent at the time of your enrollment; and (4) and you must not be precluded from making purchases on your Account. The Plan is not available outside the United States or in any of the following states or territories: Alaska, Guam, Hawaii, Massachusetts, Minnesota, Nevada, Puerto Rico, U.S. Virgin Islands. Your enrollment in the plan is contingent upon an approval process which evaluates each of these aspects.
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Important Account Information and Consent to Electronic Disclosures
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Please read this information carefully and print and/or retain this information electronically for future reference.
IMPORTANT INFORMATION ABOUT RATES AND FEES
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases
19.99% to 29.99% depending on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases
Your due date is at least 22 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $2.00
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
FEES
Annual Fee
None
Penalty Fees
  • Late Payment
  • Returned Payment
    Up to $35

    Up to $35
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See the account agreement for more details.
Annual Percentage Rate (APR) for Purchases: The APR for Purchases is a variable APR determined by adding a margin of 16.74 to 26.74 percentage points to the Prime Rate Index. The daily periodic rate is 0.05477 to 0.08216 percentage points.
CONSENT TO ELECTRONIC DOCUMENTS
As part of our relationship with you, WebBank and Dell Financial Services (“DFS”), as servicer of the Dell Preferred Account program offered by WebBank (referred to as “we” and “us”) may send Dell Preferred Account holders various types of legal notices, including but not limited to: credit application, application disclosures, privacy statements, important terms of your credit card account and disclosure statement, summary of terms, initial disclosure statements, and promotional offer information. You may also receive notices of credit decisions, change in terms notices, notices of increase or decrease in credit lines, account updates and statements and other information. In order to apply for a Dell Preferred Account online, you need to consent to receive electronically disclosures that we provide in connection with your application. Please read the terms of this consent below. Once you have a Dell Preferred Account, you can also choose to receive statements and other ongoing disclosures electronically, by logging into your account.
1. Consent to electronic records and signatures. Please read the following consent carefully before submitting your application or otherwise using your account. By electing to receive electronic communications from us, you agree to be bound by and comply with the terms set forth in this consent. If you do not agree to comply with these terms, you may not apply for a Dell Preferred Account online. After you have read the terms, please indicate your consent below.
2. Scope of consent. By electing to receive legal notices electronically, as noted above, you are consenting to receive from us by electronic means credit application information, application disclosures, important terms of your credit card account and disclosure statement, summary of terms, initial disclosure statements, privacy notices, promotional offer information, and any additional communications or disclosures related to your account at the time of your application (referred to as “Communications”).
3. Withdrawal of consent. Following account opening, you may withdraw your consent to receive electronic Communications at any time. To withdraw your consent, please email us_dfs_ec_withdraw@dell.com. Withdrawing your consent will not affect the validity of any disclosures already provided.
4. Option to receive a paper copy. You can contact us at 1-800-283-2210 to request paper copies of any Communications that were previously provided electronically. Your request may be subject to a fee, unless otherwise prohibited by law. Please see your account agreement for additional detail.
5. Hardware and software requirements. To access the Communications subject to this consent, you will need an active email address as well as a web browser that meets the security requirements of our site, specifically the latest two versions of Microsoft Internet Explorer or the latest version of Firefox and/or Google Chrome. For the latest versions, please visit www.mozilla.com; www.google.com/chrome; or www.microsoft.com/windows/internet-explorer. You will also need the latest versions of Adobe Acrobat Reader, which is a free download from www.adobe.com. To retain a copy of any Communication, you will need a printer or a storage device, such as a hard drive.
You should check the software requirements frequently for updates. From time to time, we may offer services or features that require that your web browser be updated or reconfigured.
6. Updating contact information. You are responsible for maintaining an email address that is active and can receive email from DFS. If your email address or other contact information does change, please update it at www.dellfinancialservices.com or call us at 1-800-283-2210.
Please print this consent or save it to your PC’s hard drive.
Other important terms and conditions.You agree that we will not be liable for any delays or failures in performance or for any interruptions arising from any cause or circumstance beyond our reasonable control. You will not send any computer viruses or other messages that could damage our systems.
You further agree that you may not assign or transfer this consent and that any attempt to assign or transfer this consent by you shall be null and void. This consent shall be construed according to federal law, including the Electric Signatures in Global and National Commerce Act and, to the extent state law applies, the law of Utah. We reserve the right to send paper disclosures in lieu of electronic Communications. We also reserve the right to change any terms described in this consent.
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DELL PREFERRED ACCOUNT CREDIT AGREEMENT
IMPORTANT MESSAGE FOR NEW CUSTOMERS
Following is the DELL PREFERRED ACCOUNT CREDIT AGREEMENT that governs the Dell Preferred Account you requested. Please read it carefully. IT CONTAINS VERY IMPORTANT INFORMATION ABOUT YOUR RIGHTS AND OBLIGATIONS, AS WELL AS LIMITATIONS AND EXCLUSIONS. UNDER THIS AGREEMENT YOU MAY BE REQUIRED TO RESOLVE DISPUTES WITH WEBBANK, DELL FINANCIAL SERVICES, AND OTHERS THROUGH ARBITRATION ON AN INDIVIDUAL BASIS, RATHER THAN A COURT PROCEEDING. If you reject the terms and conditions contained in the Agreement, you still have time to cancel your Account and avoid any interest charges and other credit costs.
IF YOU WISH TO DECLINE THE TERMS AND CONDITIONS CONTAINED IN THE AGREEMENT, YOU MUST CALL 1-800-879-9500 WITHIN THREE DAYS OF RECEIPT OF THE AGREEMENT. You will need to provide the phone representative with your Dell Preferred Account number, your Dell Inc. customer number and/or your order number(s). The phone representative will arrange with WebBank so that your Account will not become effective, and, if you made a purchase from Dell, either cancel your Dell order or arrange with you for another method of payment. If your order arrives at your home after you have canceled it and the shipment is left at your home without a signature, do not open the boxes. Call the Carrier and tell them that you are refusing shipment. The Carrier will arrange with you to pick up the shipment and return it to Dell.
If you received your Dell order before you received this document, you can still decline this offer of credit by calling 1-800-879-9500 as described above.
If you do not contact Dell or you fail to return your order to Dell within the 21 day return period after contacting Dell and cancelling your Account, your acceptance of any products you purchased constitutes use of the credit offered and acceptance of the terms and conditions of the Agreement. Your acceptance of the Agreement will authorize Dell and/or its affiliates to request an advance of funds pursuant to the Agreement to pay for your purchase from Dell.
DELL PREFERRED ACCOUNT CREDIT AGREEMENT
Offered by WebBank, a Utah Industrial Bank, and serviced by Dell Financial Services.
Definitions. The word “Agreement” refers to your Dell Preferred Account Credit Agreement. In this Agreement, the words “you” and “your” mean the person who applied for this Dell Preferred Account. With the exception of the arbitration provision, the words “we”, “us”, and “our” mean WebBank, who is the lender. “Account” means your Dell Preferred Account, which will be governed by this Agreement. Dell Financial Services will service your Account for WebBank.
Use of Your Account. Your use of the open-end credit offered pursuant to this Agreement, or its use by anyone you authorize, shall constitute acceptance of the terms of this Agreement and the arbitration provision contained in this Agreement. Your use of the Account also acknowledges that you are of legal age to enter into a binding agreement with us.
Billing Period. A Billing Period is the interval between monthly billing statements. The Statement Closing Date is the last day of the Billing Period for that statement.
Payment. You promise to pay us for all purchases charged to your Account plus any Interest charge and any other charges that may be assessed as provided in this Agreement. You promise to pay at least the Minimum Payment Due as shown on your billing statement each month by the Payment Due Date. We will advise you of your Payment Due Date each month on your billing statement. Your Payment Due Date will be the same day of the month for each monthly Billing Period and will be at least 22 days after the close of each Billing Period. Your Minimum Payment Due is the sum of all past due amounts plus the greater of $20.00 or 3% of the New Balance shown on your billing statement, rounded up to the next dollar. At any time we can require you to pay all amounts by which your balance exceeds your Credit Limit. You may pay all or any part of your balance at any time without penalty.
When Periodic Interest Charge Is Imposed. Interest Charges on purchases will accrue from the shipment of the product until the date we receive payment in full of the balance on the account. However, if you paid in full the New Balance from your immediately preceding Billing Period by the Payment Due Date shown on the statement, or if that New Balance was zero, then: (1) if you pay the New Balance for the current Billing Period by the Payment Due Date shown, you will not be charged any Interest Charges on purchases during the current Billing Period, and (2) if you make a payment by the Payment Due Date shown on the current statement that is less than the New Balance, that payment will be credited as of the first day in the current Billing Period.
Periodic Interest Charge. We figure the “Interest Charge” on your Account for any Billing Period by applying the Daily Periodic Rate to the Average Daily Balance of your Account (including new purchases) and multiplying the result by the number of days in the Billing Period. To determine your “Average Daily Balance”, we calculate a new balance each day of the Billing Period for each separate credit plan that is part of your Account. For each credit plan we do the following: We take the previous balance each day, which includes any billed, but unpaid Interest Charges, Late Payment Fees and other fees, add any new purchases or charges, and subtract any payments or other credits. Then, we add up all the new balances for the Billing Period, and divide the total by the number of days in the Billing Period. This gives us the Average Daily Balance for each separate credit plan that is part of your Account. The Average Daily Balance computation results in the compounding of interest on your Account, and you agree that we may compound interest on your Account. Please see above, under “When Periodic Interest Charge is Imposed,” for special rules that apply if new Purchases are shipped in Billing Periods when your prior Billing Period’s New Balance was zero or was paid in full. Purchases subject to a Promotional Credit Plan with a deferred interest feature will not be added to your Account if you pay your balance in full by the appropriate Payment Due Date. If the Interest Charge on any billing statement is less than $2.00, a minimum Interest Charge fee of $2.00 will be imposed. The fee will be referred to on your billing statement as “Minimum Interest Charge Fee.”
Periodic Rate. The Daily Periodic Rate and corresponding Annual Percentage Rate are variable rates and may change each month. The Corresponding Annual Percentage Rate (the APR for purchases) that applies to your Account is determined by adding a Margin to the Index, which is described below.
The Daily Periodic Rate is determined by multiplying the APR for purchases by 1/365th (1/366th in a leap year).
The current corresponding APR for purchases, Daily Periodic Rate, Margin and any additional restrictions on how we determine the Annual Percentage Rate appear on the Pricing Addendum that accompanies and is a part of this Agreement.
The Index is the Prime Rate published in the “Money Rates” table by The Wall Street Journal the business day immediately preceding the first day of your billing cycle. Any change in the Index will cause the corresponding Annual Percentage Rate to be adjusted as of the first day of your Billing Period that begins after the change.
Promotional Credit Plans. In addition to purchases that accrue Interest Charges and require monthly payments as described previously in this Agreement, Promotional Credit Plans may be offered from time to time on specific purchases for qualified buyers. A Promotional Credit Plan is strictly limited by its terms and the terms and conditions of the special promotion to which it relates. In addition, the benefits of a Promotional Credit Plan will expire and all accrued Interest Charges in these plans will be added to your Account if your Account is placed in default. The special promotions that may be offered include:
a) No Interest Credit Plan – If you pay the full purchase price before the expiration date of the promotion, as indicated on your billing statement, and pay the Minimum Payment Due each Billing Period when due, no Interest Charges will be imposed on the purchase. If such payments are not made, Interest Charges from the date of shipment will be added to your Account either when you fail to make a payment during the promotion period or at the end of the promotion period. We may offer promotion periods of different lengths that we will announce from time to time.
b) Promotional Rate Plans – We may offer Promotional Rate Plans with promotional periods of different lengths that we will announce from time to time for a specified number of days.
Credit Limit. Your “Credit Limit” on your Account will be shown on your billing statement. You, not we, are responsible for preventing the balance on your Account from exceeding the Credit Limit. You agree not to make any purchases that would make the unpaid balance on your Account exceed your Credit Limit. If you exceed your Credit Limit, we may require you to immediately pay the excess and Interest Charges. You also agree that we may increase or lower your Credit Limit at any time.
Charges. The following fees, when imposed, will be added to your balance. The following amounts are our current fee changes. We reserve the right to change the fee schedule from time to time and, if we do so, we will give you any notice required by law. You may call Customer Service for a current fee schedule.
  • A Late Payment Fee will be imposed if you fail to pay us the Minimum Payment Due in full by the Payment Due Date on your billing statement. The Late Payment Fee will be up to $25.00 for the first late payment and up to $35.00 for additional late payments within the next six (6) billing cycles after any prior late payment but will not be more than the amount of your Minimum Payment Due immediately prior to the late payment.
  • A Not Sufficient Funds (NSF) Fee will be imposed if your bank returns your check or payment instrument to us unpaid, or will not honor your direct debit, or we cannot process such payment for any reason. The NSF Fee will be up to $25.00 for the first returned payment and up to $35.00 for additional returned payments within the next six (6) billing cycles after any prior returned payment but will not be more than the amount of your Minimum Payment Due immediately prior to the returned payment. You will incur the NSF Fee even if your payment is later honored by your bank upon subsequent presentment.
  • The $2.00 minimum interest charge imposed on any billing statement for which a periodic Interest Charge is imposed as described in the paragraph entitled "Periodic Interest Charge." It will appear on your billing statement as "Minimum Interest Charge Fee."
  • Miscellaneous Fees may be imposed, including a charge for copies of billing statements that we are not required by law to furnish you without charge. The rates are: research time $15.00 per hour and billing statements $4.00 per copy.
  • An Expedited Payment Fee of up to $15 per payment may be imposed for authorizing a customer service representative to process a one-time expedited payment through the use of Automated Clearing House procedures or other electronic funds transfers on your checking account. This fee does not apply if you sign up for an ongoing automatic payment plan where payments are deducted routinely from a designated account.
Form of Payment. All payments must be in U.S. Dollars, and be made by check, money order, electronic funds transfer or such other means as we may expressly permit. Do not send cash. Payments made via a credit card will not be accepted. Any payment made using a check or draft may not be processed or applied to your Account if it is: postdated; incomplete (such as when a signature is missing); the numeric amount is different than the written amount; or it is not made payable in accordance with the instructions on your billing statement. All credits for payments on your Account are subject to final payment by the institution on which the item of payment was drawn. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. If you submit as payment three electronic funds transfers returned for any reason in any twelve (12) month period, you agree that we may refuse to accept subsequent payments by electronic funds transfer even if any of the checks was later accepted by your bank.
Generally, we will not accept any payment that is not drawn either on a financial institution located in the U.S. or the U.S. Post Office. If we do, we may charge you any bank collection fees we incur. We can accept late or partial payments, and payments that are marked with restrictive endorsements such as “payment in full,” without losing any of our rights.
PLEASE REMIT PAYMENTS TO: Dell Preferred Account, Payment Processing Center, PO Box 6403 Carol Stream, IL 60197-6403.
Application of Payments. We will apply payments to your Account consistent with applicable law. This means that we generally apply payments in excess of the Minimum Payment Due to balances with the higher APRs before balances with the lower APRs. Although we apply payments as of the date we receive them if they are paid in accordance with this Agreement and the instructions on the billing statement, your available Credit Limit may not reflect credit for your payment for up to ten days after we receive your payment. In some circumstances, restoring your total available credit may be further delayed.
Default. Your Account will be in default if: (1) you exceed the Credit Limit in effect on your Account; (2) you fail to pay when due any amount owed under this Agreement that is more than 60 days past due; or (3) you made any misrepresentations to us in applying for credit. If you are in default we may require you to pay the total outstanding balance on your Account immediately. We do not have to notify you or demand payment in order to take this action. As described below under Account Cancellation, we can cancel or suspend your right to charge additional purchases to your Account at any time.
Collection Costs and Attorney Fees. As permitted by law, you agree to pay all reasonable attorney fees, court costs and other collection costs actually incurred by us in the collection of any amounts you owe us under this Agreement or which are incurred by us in the event of your bankruptcy or insolvency.
Security Interest. To the extent permitted by applicable law, you hereby grant to us and we are retaining a purchase money security interest under the Uniform Commercial Code in the merchandise purchased on your Account until such merchandise is paid for in full. You agree to assist us in executing any documents necessary to perfect our security interest. If you do not make a Minimum Payment Due on your Account by the Payment Due Date, we may repossess any merchandise that has not been paid for in full to the extent permitted by law.
Account Cancellation. You may cancel your Account at any time by notifying us in writing. We may at any time and for any reason, without prior notice refuse to authorize any purchase on your Account, or suspend your Account and your right to use your Account. In addition, we may at any time and for any reason, without prior notice, cancel your Account. If we cancel your Account, we may require you to pay the full outstanding balance of your Account. No cancellation or suspension of your Account will affect your obligation to pay any amount you owe us under this Agreement. You agree that you will not try to make a purchase after you have been notified that your Account has been canceled.
Final Agreement. This Agreement is a final expression of the agreement between you and us and may not be contradicted by evidence of any alleged oral agreement.
Amendments to This Agreement. We may change or terminate the terms in this Agreement or the services or features of your Account (including increasing your Interest Charges) at any time as permitted by law. We may also add new terms to this Agreement or services and features to your Account. Any change in terms or any new terms may apply to any outstanding balance as well as on subsequent transactions and balances. To the extent required by law, we will notify you in advance of any changes in terms or any new terms and any right to reject such changes by mailing a notice to you at your address as shown on our records. However, no amendment will eliminate our obligations relating to arbitration. Any dispute that arose before an amendment shall be governed by the Agreement (including the binding individual arbitration clause) that was in place when the Dispute arose.
Assignment of Account. We may sell or transfer your Account or any amounts owed on your Account to another person at any time without prior notice to you. If we assign your Account, this Agreement will still be in effect and any successor will have our rights in this Agreement to the extent assigned. You shall not have any right to transfer your Account or assign this Agreement to anyone.
Telephone Monitoring. Telephone communications with us, including calls with any of our agents or independent contractors, are routinely monitored and/or recorded. You expressly consent, on behalf of yourself and other users of your phone, to being monitored or recorded.
Mobile Phone Communications. If you have already or in the future provide us with a mobile phone number as your contact number, you expressly authorize us, and our agents or independent contractors, to contact you regarding your account for non telemarketing communications, via text message or mobile telephone, including by way of pre-recorded or auto-dialed calls, using that mobile phone number. Normal mobile phone charges or text message rates may apply. Your consent to use your mobile phone number can only be revoked by calling 1-800-283-2210 or by sending a written notice to us at the following address:
Dell Financial Services
PO Box 81575
Austin, Texas 78708-1575
Any revocation by you regarding your mobile phone number shall not revoke our right to contact you utilizing any other contact information you previously provided to us or may provide later.
Change of Address. If you move or change your billing address or e-mail address, you agree to promptly notify us of your new address in writing or online at www.dellfinancialservices.com
Authorized Users. You may give another person authorization to use your Account. You are liable for all use of your Account, and you agree to pay all amounts incurred by the use of your Account, made by you or anyone to whom you have given authorization to use your Account.
Liability for Unauthorized Use. If you notice the loss or theft of your Dell Preferred Account or a possible unauthorized use of your Dell Preferred Account, you should write to us immediately at:
Dell Financial Services, Attn: Security Department, PO Box 81565, Austin, TX 78708
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 your notice to us. In any case, your liability will not exceed $50.
Unauthorized use does not include use by a person to whom you have given authority to use the Account.
Credit Investigation and Reporting. You agree that we may investigate your credit in connection with the initial extension, review, or collection of your Account. You agree that we may examine employment and income records and verify your credit references and also may report to credit reporting agencies, merchants, and other creditors the status and payment history of your Account.
Delay in Taking Action. We will not lose any of our rights under this Agreement if we delay taking action for any reason. To the extent allowed by law, we may take other action not described in this Agreement, and by doing so will not lose our rights under this Agreement.
Severability. If any provision of this Agreement is found to be unenforceable, all other provisions shall remain in full force and effect.
Applicable Law. The laws of the United States of America, including the Federal Arbitration Act, 9 U.S.C. Sections 1-16 (the “FAA”), and the laws of the State of Utah apply to and govern this Agreement and your use of your Account.
NOTICE
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 WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
ARBITRATION NOTICE
THIS AGREEMENT CONTAINS AN ARBITRATION CLAUSE. PLEASE READ THIS PROVISION CAREFULLY. IT PROVIDES THAT ANY CLAIM RELATING TO YOUR ACCOUNT MAY BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION. YOU ARE ENTITLED TO A FAIR HEARING, BUT THE ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT, AND ARBITRATION DECISIONS ARE SUBJECT TO VERY LIMITED REVIEW. CLAIMS MAY BE ARBITRATED ONLY ON AN INDIVIDUAL BASIS. IF EITHER PARTY CHOOSES TO ARBITRATE A CLAIM, NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM, OR TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO SUCH CLAIM.
Arbitration. Except as expressly provided herein, any claim, dispute or controversy (whether based upon contract, tort, intentional or otherwise, constitution, statute, common law, or equity and whether pre-existing, present or future including initial claims, counter-claims, cross-claims and third-party claims), arising from or relating to you applying for, obtaining, or using this Account, this Agreement (including the validity or enforceability of this arbitration clause, any part thereof or the entire Agreement), or the relationships which result from this Agreement (“Claim”) shall be decided, upon the election of you or us, by binding arbitration pursuant to this arbitration provision and the applicable rules and procedures of the arbitration administrator (including any applicable procedures for consumer-related disputes) in effect at the time the Claim is filed. The party initially requesting arbitration shall select either the American Arbitration Association (“AAA”) or JAMS as the arbitration administrator. You may change the selection to the other organization listed within 30 days after you receive notice of an election to arbitrate. If a selected arbitration administrator does not agree to arbitrate a Claim, the remaining arbitration administrator shall be selected. Claims may be referred to an administrator other than the AAA or JAMS if both AAA and JAMS are not available. We agree not to invoke our right to arbitrate any individual Claim you bring in small claims court or an equivalent court so long as the Claim is pending only in that court. It is the intent of the parties to require Claims to be submitted to arbitration on an individual basis only. Claims subject to this arbitration provision may not be joined or consolidated in arbitration with any Claim of any other person or be arbitrated on a class basis, in a representative capacity on behalf of the general public or on behalf of any other person.
For the purposes of this arbitration provision, the terms “we” and “us” shall mean WebBank and Dell Financial Services, L.L.C., their parents, direct and indirect subsidiaries, affiliates, licensees, predecessors, successors, assigns and any purchaser of the Account or any receivables arising from the use of the Account, and each of their respective employees, directors and representatives. In addition, for the purposes of this arbitration provision, “we” and “us” shall mean any third party providing any products or services to you or us in connection with the Account (including but not limited to any credit bureau, debt collector or merchant, and including their parents, direct and indirect subsidiaries, affiliates, licensees, predecessors, successors and assigns, and each of their respective employees, directors and representatives) if such third party is a co-defendant with us in any Claims asserted by you or if any Claims asserted by you against such third party arise from or are related to the Account or any products or services provided to you or us in connection with the Account. For the purposes of this arbitration provision, the term “you” shall mean you and any person authorized by you to use the Account.
Any arbitration pursuant to this provision may be resolved without an in person hearing, as determined by the arbitrator. If a hearing is held, it shall take place within the county or parish in which you live or at such other reasonably convenient location as agreed by the parties.
In any arbitration, we will pay the entire amount of the arbitration fees, including any required deposit. Each party shall be initially responsible for payment of their own attorney fees, witness fees and similar expenses.
The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitation and shall honor all claims of privilege and confidentiality recognized at law. The arbitrator shall have the sole and exclusive authority to resolve any dispute relating to the enforceability of this arbitration provision including any unconscionability challenge or any other challenge that the Agreement or the arbitration provision is void, voidable, or otherwise invalid. The arbitrator shall be empowered to grant whatever relief would be available in court under law or in equity. At the conclusion of the arbitration, the arbitrator may allocate arbitration fees in accordance with applicable law, provided that such fees do not exceed the filing fees that would have been incurred if the Claim had been brought in a state or federal court with jurisdiction over the Claim. Where authorized by applicable law, the arbitrator’s award may also include attorney fees, witness fees and similar expenses. At the request of any party, the arbitrator will provide a written explanation of the basis for the award and the disposition of each Claim, including written findings of fact and conclusions of law. Judgment upon the award may be entered in any court having jurisdiction.
This arbitration provision shall survive termination of your Account as well as the repayment of all amounts you owe under the Agreement. If any provision of this arbitration agreement is found unenforceable, the unenforceable provision shall be severed, and the remaining arbitration terms shall be enforced (but in no case shall there be a class arbitration). In the event of a conflict or inconsistency between the rules and procedures of the arbitration administrator and this arbitration provision, this arbitration provision shall govern.
YOU ACKNOWLEDGE THAT IF A CLAIM ARISES YOU MAY BE REQUIRED TO RESOLVE THE CLAIM THROUGH ARBITRATION AND ARE GIVING UP YOUR RIGHTS TO LITIGATE THAT CLAIM IN A COURT OR BEFORE A JURY OR TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO SUCH A CLAIM. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO BE UNAVAILABLE OR MAY BE LIMITED IN ARBITRATION.
You may contact the arbitration administrators and obtain their arbitration rules or learn how to file a Claim with the AAA or JAMS as follows:
JAMS
1920 Main Street, Suite 300
Irvine, CA 92614
(949) 224-1810
www.jamsadr.com
American Arbitration Association
1633 Broadway, 10th Floor
New York, NY 10019
(800) 778-7879
www.adr.org
STATE SPECIFIC DISCLOSURES
As required by federal and Utah 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.
Notice for all accounts, including New York/Rhode Island/Vermont Residents: You agree to give us permission to obtain a credit report from a consumer reporting agency in connection with this application, any transaction, or extension of credit, and on an ongoing basis, for the purpose of performing a routine and occasional verification of credit on your Account, adjusting the credit limit on your Account, taking collection action on your Account, or for any other legitimate purpose associated with your Account. 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. New York residents may contact the New York State Department of Financial Services at 1-877-226-5697 or at 1 State Street, New York, NY 10004 to obtain a comparative listing of credit card rates, fees and grace periods.
Notice for California Residents: California law requires that we inform customers that should they fail to fulfill the terms of their credit obligation, a negative report reflecting on their credit record may be submitted to a credit reporting agency. If you are married, you may apply for a separate account in your own name.
Notice for Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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.
Notice for Married Wisconsin Residents: If you are married, by submitting your Account application you are confirming that this Account obligation is being incurred in the interest of your marriage and your family. No provision of a marital property agreement, a unilateral statement under Sec. 766.59 Wis. Stats., or a court decree under Sec. 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement, or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. If the Account for which you are applying is granted, you will notify us if you have a spouse who needs to receive notification that credit has been extended to you.
Your Billing Rights: Keep this Document for Future Use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Dell Preferred Account
Attn: Billing Inquiry Department
P.O. Box 81585
Austin, TX 78708-1585
In your letter, give us the following information:
  • Account information : Your name and 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.


  • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

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 to you why we believe the bill is 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 on the amount.


  • 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 Dell Preferred Account, 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 Dell Preferred Account for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.
3. You must not yet have 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:
Dell Preferred Account
Attn: Billing Inquiry Department
P.O. Box 81585
Austin, TX 78708-1585
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.
CONSUMER PRIVACY POLICY OF WEBBANK FOR DELL PREFERRED ACCOUNT
CONSUMER PRIVACY POLICY OF WEBBANK
FOR DELL PREFERRED ACCOUNT
FACTS
WHAT DOES WEBBANK
DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and credit history
  • Account balances and payment history
  • Account transactions and transaction history
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons WebBank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does WebBank share?
Can you limit this sharing?
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes –
to offer our products and services to you
Yes
No
For joint marketing with other financial companies
Yes
No
For our affiliates’ everyday business purposes -
information about your transactions and experience
No
We don’t share
For our affiliates’ everyday business purposes -
Information about your creditworthiness
No
We don’t share
For nonaffiliates to market to you
Yes
Yes
To limit our sharing
  • Call toll free 1-866-351-9773 – our menu will prompt you through your choice(s) or
  • Mail the form below
Please note:
If you are a new customer, for the reasons we can share your information and for which you can limit the sharing, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions?
Call 1-866-351-9773 or go to www.dellfinancialservices.com
Mail-in Form
Mark any/all you want to limit:
__Do not share my personal information with nonaffiliates to market their products and services to me.
Name
--------------------------------
Mail to:
Address
City, State,
Zip
--------------------------------
--------------------------------
--------------------------------
WebBank, c/o
Dell Financial Services
P.O. Box 81575
Austin, TX
78708-1575
Account #
What we do
How does WebBank protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does WebBank collect my personal information?
We collect your personal information, for example, when you
  • open an account or pay us by check
  • pay your bills or provide account information
  • give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
  • sharing for affiliates' everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
WebBank does not offer the option of joint account holders for the Dell Preferred Account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • WebBank does not share with our affiliates
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share with can include manufacturing and financial services companies, such as Dell Inc. and Dell Financial Services, L.L.C.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include insurance companies, such as Assurant, Inc.
Other important information
California Residents:
  • Customer information shared with Dell is limited to your name and address, records of purchases you’ve made using your Dell Preferred Account and information concerning your Account, in connection with the offering or provision of Dell products and/or services.
  • We do not disclose your Customer Information to (1) companies that perform marketing services for one or more other financial institutions with which we have joint marketing agreements, or (2) other financial institutions with which we have joint marketing agreements.
  • We do not share your Customer Information with nonaffiliated third parties for purposes of their offering products and services to you. You do not need to take any action to limit this kind of information sharing.
Vermont Residents:
  • We do not disclose your Customer Information to (1) companies that perform marketing services for one or more other financial institutions with which we have joint marketing agreements, or (2) other financial institutions with which we have joint marketing agreements.
  • We do not share your Customer Information with nonaffiliated third parties for purposes of their offering products and services to you. You do not need to take any action to limit this kind of information sharing.
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