Terms and Conditions of the Jewelry Television Preferred 
Account 

Jewelry Television Preferred Account credit card is offered by Comenity Capital Bank (the "Lender"). 
By using a Jewelry Television Preferred Account to complete this purchase, you apply for credit and 
you agree that you have read the Terms and Conditions, including the Agreement to Arbitrate, as 
well as the Privacy Policy; and authorize the Lender to review your credit report. You authorize 
parties with whom you make a purchase to share your personal information, including email 
address, with the Lender to use that information for any lawful purpose. 

The Terms and Conditions of the Jewelry Television Preferred Account include the following: 

Important Disclosures 

• 
•  E-Sign Consent 
•  Account Agreement, including Agreement to Arbitrate. You can choose to reject the 

Agreement to Arbitrate as further explained in Section 24 below. 

Jewelry Television Preferred Account Important Disclosures 

The information that follows includes important information about the cost of credit and the 
interest rates that apply to your Account. 

Interest Rate and Interest Charges 
Annual Percentage Rate (APR) for Standard Purchases 

25.99% 
How to Avoid Paying Interest 
Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest 
on Standard 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 Fees 
None 
Penalty Fees 

Late Payment Fee 

Return Check Fee 

Up to $38.00 

Up to $27.00 

How We Will Calculate the Balance: The Lender uses a method called "average daily balance 
(including new Purchases)." See the Account Agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is 
provided in the Account Agreement. 

 
 
Amendment of the Terms and Conditions. The Lender may amend the Terms and Conditions, 
including any of the terms stated above, from time to time, in accordance with the paragraph of the 
Account Agreement called "Amendment of this Agreement." 

Important information about procedures for opening a new account. To help the government 
fight the funding of terrorism and money laundering activities, Federal law requires all financial 
institutions to obtain, verify, and record information that identifies each person who opens an 
account. What this means for you: When you open an account, the Lender will obtain your name, 
address, date of birth, and other information that will allow the Lender to identify you. The Lender 
may verify this information with you or others. The Lender may also request to see your driver’s 
license or other identifying documents. 

Military Lending Act Disclosure: 
Important Disclosure for members of the Armed Forces and their Dependents (Effective for 
new Accounts opened on or after October 3, 2017): Federal law provides important protections to 
members of the Armed Forces and their dependents relating to extensions of consumer credit. In 
general, the cost of consumer credit to a member of the Armed Forces and his or her dependent 
may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to 
the credit transaction or account: The costs associated with credit insurance premiums; fees for 
ancillary products sold in connection with the credit transaction; any application fee charged (other 
than certain application fees for specified credit transactions or accounts); and any participation fee 
charged (other than certain participation fees for a credit card account).  None of these types of 
costs or fees apply to your Jewelry Television Preferred Account.  Your APR is reflected in the 
disclosures above.  If you would like to listen to this and other applicable disclosures, please call 1-
888-223-0991.  

State Disclosures: 
CA Residents: If you are married, you may apply for a separate account. OH Residents: The Ohio 
laws against discrimination require that all creditors make credit equally available to all creditworthy 
customers, and that credit reporting agencies maintain separate credit histories on each individual 
upon request. The Ohio Civil Rights Commission administers compliance with this law. NY, RI, and 
VT Residents: We may order credit reports in connection with processing applications/solicitations 
and any update, renewal, or extension of credit. Upon request, we will tell you the name and address 
of any consumer reporting agency that furnished a report on you. You consent to the obtaining of 
such reports by signing or otherwise submitting an application or solicitation. WI Residents: No 
provision of a marital property agreement, unilateral statement under Section 766.59, or court 
decree under Section 766.70 adversely affects the interest of Comenity Capital Bank, unless the 
Bank, prior to the time 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 Bank is incurred. If you 
are married, please contact us immediately at: Jewelry Television Preferred Account, P.O. Box 
5018, Timonium, MD 21094 and provide us with the name and address of your spouse. We are 
required to inform your spouse that we have opened a credit account for you. NY 
Residents: Comenity Capital Bank 1-888-223-0991. New York Residents may contact the New York 
State Department of Financial Services by telephone or visit its website for free information on 
comparative credit card rates, fees, and grace periods. New York Department of Financial Services 
1-877-226-5697 or www.dfs.ny.gov. 

Jewelry Television Preferred Account E-Sign Consent 

IMPORTANT NOTICE. In order to complete this transaction online, the Lender must provide 
you with certain disclosures required by law. The Lender can provide these disclosures to 
you online only if you consent. You should choose another payment option if you do not 
consent. 

 
1. DEFINITIONS. In this Jewelry Television Preferred Account E-Sign Consent, the following 
definitions apply: 

"You" and "your" mean the person who is asking to use a Jewelry Television Preferred Account to 
make a purchase. 

"We", "us" and "our" mean the Lender and, following an assignment, any person, company or bank 
to whom the rights of the Lender have been assigned. 

"Jewelry Television Preferred Account" is the payment program, which allows you to pay for 
purchases from Jewelry Television by charging the costs to your Jewelry Television Preferred 
Account. 

"Disclosures" means important communications and other information relating to your application for 
and/or use of your Jewelry Television Preferred Account, including but not limited to agreements, 
privacy notices, billing statements and changes in terms. 

2. CONSUMER CONSENT. By clicking the "Agree and Continue" button and/or checking the "I 
agree to have the Terms and Conditions presented electronically" which you hereby adopt as your 
electronic signature, you consent and agree that: 

•  We can provide Disclosures required by law and other information about your legal rights 

and duties to you electronically. 

•  Your electronic signature on agreements and documents has the same effect as if you 

signed them in ink. 

•  We can send Disclosures to you electronically via our website or to the email address that 
you have provided to Jewelry Television in this transaction or to another email address that 
you provide to us for that purpose rather than in paper form. 

•  We may alert you when the Disclosures are available by sending you an electronic 

communication. 

•  Our email will tell you how you can view the Disclosures. 
•  We will make the Disclosures available to you for not less than 90 days from the date they 

first became available to you. 

•  You will be able to print a copy of the Disclosure or download the information for your 

records. 

•  This consent applies to this transaction, all future Disclosures you receive, and to all future 
transactions in which you use the Jewelry Television Preferred Account at any time, and to 
other Disclosures that we provide to you by email, unless you have, prior to such transaction, 
withdrawn your consent by the procedure mentioned below. 

3. WHAT YOU WILL NEED. You understand that in order to access and retain the electronic 
Disclosures, you will need the following: 

•  A computer with an Internet connection. 
•  A current web browser that includes 2048-bit encryption (e.g., Internet Explorer version 
10.0 and above, Firefox version 27.0 and above, Chrome version 33.0 and above, or 
Safari version 7.0 and above) with cookies enabled. 

•  A valid email address. 
•  Sufficient storage space to save past Disclosures OR an installed printer to print them. 
• 

If you use a spam filter that blocks or re-routes emails from senders not listed in your email 
address book, you must add jewelrytelevisionpreferredaccount@paypal.com to your email 
address book. 

4. REQUESTING PAPER DOCUMENTS AND WITHDRAWING CONSENT. You understand that 
you may request paper copies of the Disclosures within 180 days of the date of the Disclosure, and 
that we will provide them to you by mail at no charge. You understand that you have the right to 
receive these Disclosures in paper form and that you may withdraw your consent by contacting us at 
1-888-223-0991 or: 

Jewelry Television Preferred Account  
P.O. Box 5138 
Timonium, MD 21094 

5. UPDATING EMAIL ADDRESS. At any time, you can update the email address to which we may 
send alerts that your Disclosures are available. You can change your email preferences by 
contacting us at 1-888-223-0991 or: 

Jewelry Television Preferred Account 
P.O. Box 5138 
Timonium, MD 21094 

6. LEGAL EFFECT. By consenting, you agree that electronic Disclosures have the same meaning 
and effect as if we provided paper Disclosures to you when and if we are required to do so. When 
we send you a Disclosure in electronic form or post a Disclosure on our website that shall have the 
same meaning and effect as if we provided paper Disclosures to you, whether or not you choose to 
view the Disclosures, unless you had previously withdrawn your consent to receive Disclosures 
electronically. We may also send you an email alerting you that the Disclosures are available 
electronically and make them available online. 

7. GENERAL. You understand and agree that we reserve the right to cancel this electronic 
Disclosure service, change the terms of use of this service or send Disclosures in paper form at any 
time. You understand and agree that we are not responsible for any delay or failure in your receipt of 
any email notices we may send. 

Jewelry Television Preferred Account Agreement 

THIS AGREEMENT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO 
RESOLVE DISPUTES, WITH LIMITED EXCEPTIONS, RATHER THAN JURY TRIALS OR CLASS 
ACTIONS, AND LIMITS THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF A DISPUTE. 

IF YOU ARE COVERED BY THE PROTECTIONS OF THE MILITARY LENDING ACT, THE 
AGREEMENT TO ARBITRATE DOES NOT APPLY TO YOU.   

This Agreement sets forth the terms and conditions of the Jewelry Television Preferred Account 
credit card (the "Account") and the extensions of credit made by Comenity Capital Bank (the 
"Lender").  Please read this Agreement and keep a copy. 

1. DEFINITIONS.  
a. Parties to this Agreement and Other Parties 
"You", "your" and "Borrower" mean the person who applied for this Account and agrees to this 
Agreement. 
"We," "us," and "our" mean the Lender, and, following an assignment, any person, company, or bank 
to whom the rights and/or obligations of the Lender have been assigned. 
"Bill Me Later, Inc.," located in Timonium, Maryland, provides services for the Lender, such as 
processing transactions, keeping records, sending billing statements and providing customer 
service. Bill Me Later, Inc. may also receive payments and perform collection activities on behalf of 
the Lender.  
b. Terms 

 
"Account" means the Jewelry Television Preferred Account that is the subject of this Agreement. 
"Agreement" means the Important Disclosures above, this Account Agreement, and any amendment 
or addendum thereto. 
"Billing Cycle" means the time between the dates on which we prepare billing statements, or would 
have prepared them if statements were required under Section 11 "Billing Statements". The Billing 
Cycle will end on approximately the same day of each month. We may change the day the Billing 
Cycle ends, at our option.  
"Cost" means the total price of any item you purchase from the Merchant using the Account, plus 
any fee or charge you agree to pay the Merchant, the cost of shipping and taxes, less any applicable 
discount or credit offered by the Merchant. 
"Credit Card" means any Jewelry Television Preferred Account credit card provided to you for this 
Account. 
"Credit Limit" means the dollar amount of credit available for you to borrow on this Account.  
"Expiration Date" is the date on which the deferred interest period ends for Deferred Interest 
Purchases. 
"Grace Period" means the period within which you may repay a Purchase without incurring any 
interest on that Purchase. 
"Merchant" means Jewelry Television. 
"Payment Due Date" means the date which will appear on each billing statement as the "Payment 
Due Date" for the Billing Cycle. 
"Promotional Purchases" include Deferred Interest Purchases and other promotional purchases as 
offered from time to time that may be subject to special, promotional repayment terms and/or Annual 
Percentage Rates ("APRs") for all or part of the time they are unpaid. You may only have the ability 
to make some Promotional Purchases from time to time, depending on what the Merchant is 
offering. All Promotional Purchases may be separately itemized or may be grouped together in the 
Interest Charge Calculation and Promotional Purchases sections of your billing statement. 

• 

"Deferred Interest Purchases" are Promotional Purchases on which no interest will be 
charged if they are paid in full within 6 months. If the purchase is not paid in full by the 
Expiration Date, interest will be charged from the transaction posting date at an APR 
of 25.99%. 

"Purchases" are extensions of credit made on the Account to the Borrower, when the Borrower uses 
the Account to pay for a purchase from the Merchant. 

2. HOW YOU AGREE TO THIS AGREEMENT. You agree to the terms of this Agreement and you 
make the promises it contains by either applying for or accepting an Account or making a purchase 
using this Account after receipt of this Agreement. 

3. TYPES OF PURCHASES AND TRANSACTIONS.  
a. Standard Purchases. You can make Purchases on this Account by choosing the Jewelry 
Television Preferred Account when you make a purchase from the Merchant at an authorized 
location. We will extend credit to you, in the amount of the Cost of the Purchase, by paying the 
Merchant on your behalf. We will extend credit subject to the Standard Purchase terms, unless 
special terms are in effect at the time of the Purchase or are offered by the Merchant. 

b. Promotional Purchases: Deferred Interest Purchases 

•  There is one type of Deferred Interest Purchase: 

o  "No Payments + No Interest if paid in full in 6 months Purchases" are Deferred 
Interest Purchases on which no payments will be due during the six-month deferred 
interest period. If you pay the balance on a Deferred Interest Purchase in full by the 
Expiration Date, we will not charge any interest for that Purchase. We will calculate 
the interest for each Billing Cycle prior to the Expiration Date and disclose it on the 

billing statement as the Accrued Deferred Interest. If you do not pay the balance in 
full before the Expiration Date, (1) we may charge your Account, in the Billing Cycle 
in which the Expiration Date occurs, interest on that Promotional Purchase from the 
transaction posting date at an APR of 25.99% and (2) any remaining balance will be 
treated as a Standard Purchase beginning on the Expiration Date. 

The deferred interest period may be six months or more as disclosed when the transaction is made. 
If you pay the balance on a Deferred Interest Purchase in full by the Expiration Date, we will not 
charge any interest for that Purchase. We will calculate the interest for each Billing Cycle prior to the 
Expiration Date and disclose it on the billing statement as the Accrued Deferred Interest. If you do 
not pay the balance in full before the Expiration Date, (1) we may charge your Account, in the Billing 
Cycle in which the Expiration Date occurs, interest on that Promotional Purchase from the 
transaction posting date and (2) any remaining balance will be treated as a Standard Purchase 
beginning on the Expiration Date. 

4. YOUR CREDIT LIMIT AND OTHER AGREEMENTS. 

a. Credit Limit. At the time you open your Account and request your first extension of credit, we will 
evaluate your request for credit. If we extend you credit, we will disclose to you the total amount of 
your Credit Limit, which will be no less than $250.00. 

The total balances of all types of transactions on the Account plus transactions which have been 
authorized but not yet posted to the Account (but not including unpaid fees) may not exceed the 
Credit Limit. If you try to make a Purchase that would cause your outstanding balance to be above 
your Credit Limit, we may treat that as a request to increase the Credit Limit. 

For example: If your Credit Limit is $650.00, you have a $200.00 balance, and you try to make a 
Purchase of $500.00, we may treat this as a request for an increase in the Credit Limit. If we 
approve this transaction, your new Credit Limit will be $700.00. 

We have the option to refuse a request for an increase, but we will notify you of the reasons for any 
refusal. We may allow you to complete a transaction in excess of your available credit without 
increasing your Credit Limit under certain circumstances, such as if you have a previous "non-
sufficient funds" payment on your Account. 

We may increase, decrease, or change your Credit Limit at any time. We will notify you if we do so.  
From time to time, we may review your Account to ensure that payments and transactions posting to 
your Account are valid and not fraudulent and that good funds are collected for payments. In doing 
so, we may temporarily limit your ability to utilize the total credit available to borrow until the Account 
review is completed and/or transactions and payments are confirmed to be valid and fully collected. 

b. We may charge your Account for Purchases. You authorize us to charge this Account for the 
Cost of any Purchase you, or anyone to whom you have given permission to use this Account, make 
from the Merchant using this Account. You understand that the amount that we actually pay to the 
Merchant may be less than the Cost of the Purchase, because the Merchant may agree that we or a 
third party may retain a portion of the Cost. 

c. We may charge your Account for Interest and Fees. You authorize us to charge this Account 
for interest, any fees, costs of collection, and other amounts that you agree to pay in this Agreement. 

5. YOUR PERSONAL INFORMATION. Each time you use this Account, you authorize the Merchant 
to share your personal information (including email address) with us to verify your identity, make a 
credit decision, complete your transaction, service your Account, and/or for any other lawful purpose. 

6. YOUR PROMISES TO US. 
a. Promise to Pay. You promise to repay to us all extensions of credit (including any and all 
Purchases) you have authorized us to charge to this Account and any accrued interest, fees, 

collection costs, and other amounts that you agree to pay in this Agreement. We may presume you 
authorized any Purchase using this Account, if the Purchase is delivered in your name to your 
address, unless you return the Purchase to the Merchant within a reasonable time.  
b. Minimum Payment Due. You promise to pay at least the Minimum Payment Due on or before the 
Payment Due Date each Billing Cycle and in accordance with the reasonable requirements set forth 
on each billing statement.  
c. Personal Financial Information. You promise to give us personal financial information about you 
that we may reasonably request, from time to time. 
d. Collection Costs. You promise to pay all costs of collection if we take any action to collect this 
Account or take any action in a bankruptcy proceeding filed by or against you, including reasonable 
attorneys’ fees and expenses, if permitted by applicable law. 
e. Your Contact Information. You promise to promptly notify us if you change your name, mailing 
address, email address, or telephone number. In doing so, you agree that you will not give us false 
information or signatures, electronic or otherwise, at any time. 
f. Age and Residency. You promise that you are of legal age in the state where you reside and are 
a resident of the United States when you accept this Agreement and open the Account. 
g. Merchant Disputes. You promise that, if you are dissatisfied with goods or services you 
purchased from the Merchant, you will try in good faith to resolve the dispute and correct the 
problem directly with the Merchant. This shall in no way limit or reduce your rights in case of a billing 
error. 
h. Use of Account. You promise to use this Account only for personal, family, or household 
purposes. 
i. Credit Card. You promise to sign the back of the Credit Card (if one is provided) at the place for 
the signature above the words "Authorized Signature." You agree that your signing the Credit Card is 
not a condition to your promises under this Agreement. 
j. Unauthorized Purchases. You promise to notify us immediately if any Credit Card is lost, stolen, 
or possibly used without your permission. You promise to pay for any unauthorized Purchases made 
with the Credit Card before you notify us that the Credit Card was lost, stolen or possibly used 
without your permission. Your liability for unauthorized purchases is the least of (1) $50.00, (2) the 
total of unauthorized purchases made before you notify us, and (3) the amount for which you are 
liable under applicable law. You may give us notice by telephone or in writing in accordance with the 
section of this Agreement called "Notices and Customer Service." 

7. INTEREST RATE AND INTEREST CHARGES. You agree to pay interest on the outstanding 
balance of this Account until paid in full, as applicable. Interest may be calculated differently 
depending on the type of transaction. Interest begins to accrue on the transaction posting date, 
except interest does not accrue on any portion of a Standard Purchase that you repay during the 
Grace Period, if a Grace Period applies. 

a. Grace Period: 
There is a Grace Period of at least 25 days on new Standard Purchases. This means we will not 
charge interest on these transactions if you pay them in full by the Payment Due Date. For example, 
if: 

•  You make a $500.00 Standard Purchase on January 1; 
•  We send you a statement on or about January 15 with a Payment Due Date of February 12; 

and 

•  You pay $500.00 (the full amount) by February 12; then 
•  You will not be charged any interest on this Purchase. 

You’ll lose your Grace Period if you pay anything less than the total of new Standard Purchases on 
any statement by the Payment Due Date. If you lose your Grace Period, you’ll owe interest on any 
unpaid balance of a transaction to which the Grace Period previously applied from the first day of the 
next Billing Cycle and interest on new transactions from the date of posting. For example, if: 

•  You make a $500.00 Standard Purchase on January 1; 
•  We send you a statement on or about January 15 with a Payment Due Date of February 12; 

and 

•  You pay $400.00 (only part of the full amount) by February 12; then 
•  You will not be charged any interest on the amount you paid ($400.00); 

o  You will be charged interest on the remaining amount ($100.00) from the first day of 

the next Billing Cycle, February 16; and 

o  New transactions will not qualify for the Grace Period. 

To qualify for the Grace Period again, you must pay your Standard Purchases balances in full. 

Deferred Interest Purchases do not have a Grace Period. However, you can avoid paying interest on 
a Deferred Interest Purchase by paying the balance in full by the Expiration Date. If you do not pay 
the balance in full by the Expiration Date, you will be charged interest from the transaction posting 
date. 

b. How We Calculate Interest: 

•  We calculate interest for each Billing Cycle using the Average Daily Balance method. A 

separate daily balance is calculated for each balance type. These balance types include, for 
example, Standard Purchases and different Promotional Purchases. 

o  How we get to the Average Daily Balance: We take the starting balance each day for 
each balance type, add any new charges and fees, and subtract any payments and 
credits (treating any net credit balance as zero). This gives us the daily balance. 
Then, we add up all the daily balances for the Billing Cycle and divide the total by the 
number of days in the Billing Cycle. The result is the Average Daily Balance for each 
balance type. 

o  How we get the interest charge for each balance type: We multiply each Average 
Daily Balance for the Billing Cycle by the number of days in the Billing Cycle. Then 
we multiply this by the Daily Periodic Rate. We do this for each day in the Billing 
Cycle. This gives us the daily interest charges for each of your different balances. 

 

"Daily Periodic Rate" is a daily interest rate. The daily periodic rate for a given 
balance is equal to the APR for that balance divided by 365. 

o  How we get the interest charge for the Billing Cycle: We will then add up the interest 

for all the balance types, to get the interest for the Account. 

c. Minimum Interest Charge. We charge a minimum of $2.00 of interest in any Billing Cycle in 
which you owe interest on Standard Purchases. 

d. Rate of Interest. We calculate interest on the Standard Purchases and Promotional Purchases 
using the Daily Periodic Rate of 0.07121%. This corresponds to the APR of 25.99%. However, if we 
have disclosed a special promotional rate at the time we made the special offer, we will calculate 
interest on balances subject to that special offer using the applicable special promotional rate. 

8. FEES. You agree to pay the following Fees, as applicable. 

a. Late Payment Fee. We will charge you a Late Fee for each Billing Cycle the Minimum Payment 
Due is not paid in full by its Payment Due Date. The Late Fee will be the amount of the missed 
payment, up to: 

•  $27.00 the first time you are late, and 
•  $38.00 if your payment is late again within the next six Billing Cycles. 

However, the Late Fee will not exceed $5.00 if the Minimum Payment Due is less than $27.00. 

b. Return Check Fee. We will charge you a Return Check Fee of up to $27.00 if a payment on this 
Account is made with a check, including a draft, order, or other instrument, that is returned by a 
drawee for "not sufficient funds" or other reasons such as a closed account. The fee will not exceed 
the Minimum Payment Due immediately prior to the date on which the payment is returned. We will 
not charge the fee if we redeposit the check and it is paid. 

9. MINIMUM PAYMENT DUE. The Minimum Payment Due each Billing Cycle will be the sum of the 
payments due on your Account balances as calculated below plus any amounts past due from 
previous Billing Cycles. 

a. Standard Purchases and No Interest if Paid in Full Purchases. 

The payment due for Standard Purchases and No Interest if paid in full Purchases will be the 
greatest of: 

•  $27.00, or $38.00 if you failed to pay at least the total Minimum Payment Due by the 

Payment Due Date in any one or more of the prior six Billing Cycles; or 

•  3% of the balances on the Account (excluding any balance on a No Payments + No Interest 
if paid in full Purchase prior to its Expiration Date), on the last day of the Billing Cycle; or 
•  1% of the balances on the Account (excluding any balance on a No Payments + No Interest 
if paid in full Purchase prior to its Expiration Date), on the last day of the Billing Cycle plus: 
1.  Any interest assessed on the Account in that Billing Cycle (excluding any accrued 
interest on a Deferred Interest Purchase that has been billed in that Billing Cycle); 
and 

2.  Any Late Fees and Return Check Fees assessed on the Account in that Billing 

Cycle. 

However, if your unpaid balance of Standard Purchases and/or No interest if paid in full Purchases is 
less than the amount described above, the payment due will be that unpaid balance. 

b. No Payments + No Interest if Paid in Full Purchases. There is no payment due for a No 
Payments + No Interest if paid in full Purchase prior to its Expiration Date. 

10. PAYMENT APPLICATION AND PREPAYMENT. We will use each payment in the amount of the 
Minimum Payment Due or less, first to pay billed interest, then billed fees, then the principal balance, 
and then any other amounts due. However, if you have a balance on a Deferred Interest Purchase, 
during the two Billing Cycles immediately preceding the Expiration Date, we may use the payment 
first to pay the balance on any Deferred Interest Purchases. 

You may at any time pay, in whole or in part, the total unpaid balance without any additional charge 
for prepayment. If you pay more than the Minimum Payment Due in any Billing Cycle, you still must 
make the Minimum Payment Due the next Billing Cycle. We will use any amount in excess of the 
Minimum Payment Due to pay the balances with the highest interest rate, then the next highest 
interest rate, and so forth. However, during the two Billing Cycles immediately preceding the 
Expiration Date of any Deferred Interest Purchase, we may use payments first to pay the balance on 
such Deferred Interest Purchase(s). We may choose to apply prepayments to the Deferred Interest 
Purchases balance before other balances. 

11. BILLING STATEMENTS AND CREDIT BALANCES. 

a. Billing Statements. We will provide a billing statement for each Billing Cycle if and as required by 
applicable law. We need not provide a billing statement to you if we deem this Account uncollectible 
or if delinquency collection proceedings have been started. We may provide electronic billing 
statements only. You can elect to receive paper statements by contacting us at 1-888-223-0991 or: 

Jewelry Television Preferred Account 
P.O. Box 5138 
Timonium, MD 21094 

calling 1-888-223-0991.  
b. Credit Balances. We will refund any credit balance in excess of $1.00 to you as required by law. 
You authorize us to make the refund electronically or using an electronic transfer, (i) if you made the 
payment which caused the credit balance electronically or using an electronic transfer, or (ii) if you 
typically make payments on this Account electronically.  
c. Errors. You agree to notify us of any errors in the billing statement within 60 days from the date it 
is provided. You agree to examine each billing statement and to notify us, immediately, of any 
Purchases which were not made or authorized by you. 

12. EVENTS AND EFFECT OF DEFAULT. 

a. Events of Default. You will be in default if you: 

•  Fail to make any payment when due; 
•  Violate, or are unwilling or unable to perform, any provision of this Agreement; 
•  Pass away or become incompetent; 
•  Become the subject of bankruptcy or insolvency proceedings; 
•  Supply us with any misleading, false, incomplete, or incorrect information or signature, or fail 

to supply us with any information we deem necessary; 

•  Exceed your Credit Limit; or 
•  Give us a payment returned unpaid by your bank or financial institution for any reason. 

b. Effect of Default.  
i. Our Rights. If you are in default, we may suspend or close your Account, require you to pay the 
full amount you owe immediately, or take any other action permitted by law. This may happen 
without prior notice unless otherwise required by applicable law. If we exercise our rights, this 
Agreement will continue to apply to your Account.  
ii. Collection Costs. You agree to pay all costs of collection (including reasonable attorneys’ fees 
and expenses) if we take any action to collect this Account after default, if permitted and to the 
maximum amount permitted by applicable law. 

13. AMENDMENT OF THIS AGREEMENT. We may amend this Agreement from time to time, in any 
respect, and give you written notice if required by law. An amendment may change something in this 
Agreement (for example, the rate of interest on any or all Purchases), add something new or take 
something out. Amendments will apply to outstanding balances and new Purchases, except as 
otherwise indicated in any written notice or as otherwise provided by applicable law. This 
Agreement, except when amended in accordance with this Agreement, is the final expression of the 
Agreement between you and us and may not be contradicted by evidence of any alleged oral 
agreement. 

14. TERMINATION. We may terminate your Account or this Agreement at any time for any reason 
without prior notice, subject to limitations of applicable law. After termination, you will not be able to 
make new Purchases but you will still have to pay any remaining balance in full. All other provisions 
of this Agreement will continue to apply. 

15. OUR LIABILITY. We have no responsibility for the failure of the Merchant to accept payment 
using this Account. Our liability is limited to that determined by applicable law and will only include 
your actual damages. 

16. REMEDIES CUMULATIVE. Our remedies under this Agreement shall be cumulative and not 
alternative. 

17. DELAY IN ENFORCEMENT. We can delay enforcing any of our rights under this Agreement 
without losing them. Any waiver by us of any provision of this Agreement will not be a waiver of the 
same or any other provision on any other occasion. 

18. BOOK ENTRY SYSTEM. You hereby appoint Bill Me Later, Inc. as your agent in maintaining, 
and Bill Me Later, Inc. agrees to maintain, a book entry system that records the identity of the owner 
of each Purchase on the Account. The right to the principal of, and stated interest on, each Purchase 
on the Account may only be transferred through the book entry system maintained by Bill Me Later, 
Inc. This section does not affect any of Borrower’s obligations under this Agreement. This section 
does not limit or waive any of Borrower’s rights, including but not limited to Borrower’s Billing Rights. 

19. ASSIGNMENT. You may not assign, delegate, or otherwise transfer any of your rights, 
privileges, or obligations under this Agreement. Any attempt by you to assign, delegate, or transfer 
will be void and of no effect. We may assign any and all of our rights under this Agreement at any 
time without your consent. Any person, company or bank to which we assign this Agreement shall 
be entitled to all of our rights under this Agreement. None of your rights or obligations shall be 
affected by such assignment. 

20. COMMUNICATIONS CONCERNING DISPUTED DEBTS. ALL COMMUNICATIONS BY YOU 
TO US CONCERNING DISPUTED DEBTS, INCLUDING AN INSTRUMENT TENDERED AS FULL 
SATISFACTION OF THE ACCOUNT, MUST BE SENT TO: Jewelry Television Preferred 
Account, P.O. Box 5018, Timonium, MD 21094. 

21. CREDIT INVESTIGATION AND REPORTING. You authorize us and/or Bill Me Later, Inc. to 
make or have made any credit, employment, and investigative inquiries we deem appropriate related 
to your application for credit, this Account, and the collection of amounts owed on this Account. You 
agree that we and/or Bill Me Later, Inc. have the right to obtain credit reports on you in connection 
with (1) your application for this Account, (2) any potential Credit Limit increase and (3) as we deem 
reasonably necessary to maintain and collect this Account. You authorize us to answer any 
questions about our experience with you related to this Account and to report that experience to 
credit reporting agencies. 

22. COMMUNICATIONS BETWEEN YOU AND US. 

a. Notices and Customer Service. Except as provided in Section 20 "Communications Concerning 
Disputed Debts," you may send written notices, correspondence, inquiries and questions concerning 
your Account to us at Jewelry Television Preferred Account, P.O. Box 5138, Timonium, MD 21094. 
You may also call our customer service department at 1-888-223-0991. 

b. Consent to Communications. We and/or Bill Me Later, Inc. may contact you using postal mail, 
email, and/or telephone.    If you provide us and/or Bill Me Later, Inc. your mobile phone number, 
you agree that we and/or Bill Me Later, Inc. may contact you at that number using autodialed or 
prerecorded calls or text messages to: (i) service your Account, (ii) investigate or prevent fraud, or 
(iii) collect a debt.  We and/or Bill Me Later, Inc. will not use autodialed or prerecorded calls or texts 
to contact you for marketing purposes unless we and/or Bill Me Later, Inc. receive your prior express 
written consent.  We and/or Bill Me Later, Inc. may share your mobile phone number with service 
providers with whom we and/or Bill Me Later, Inc. contract to assist us and/or Bill Me Later, Inc. with 
the activities listed above, but we and/or Bill Me Later, Inc. will not share your mobile phone number 
with third parties for their own purposes without your consent.  You do not have to agree to receive 
autodialed or prerecorded calls or texts to your mobile phone number in order to use and enjoy your 
Account.  You can decline to receive autodialed or prerecorded calls or texts to your mobile phone 
number by contacting our customer service department at 1-888-223-0991.  However, we and/or Bill 
Me Later, Inc. may still call you directly using other means if we and/or Bill Me Later, Inc. need to 
speak with you.  Standard telephone minute and text charges may apply. 

c. Monitoring and Recording. We and/or Bill Me Later, Inc. may monitor tape or electronically 
record your telephone calls with us, including any calls with our customer service department, 
collection department and any other department. 

d. Emails. You consent to our/Bill Me Later, Inc. emailing you for any lawful purpose, including 
marketing. You may withdraw your consent to us sending you commercial (marketing) emails by 
"unsubscribing" when we send you an email or by contacting us at 1-888-223-0991 or: 

Jewelry Television Preferred Account 
P.O. Box 5138 
Timonium, MD 21094 

23. GOVERNING LAW, FORUM. 
a. Governing Law. This Agreement has been accepted by us in the state of Utah, and all 
extensions of credit will be made by us in the state of Utah. Regardless of the state of your 
residence or the place where the Merchant is located, you agree that the provisions of this 
Agreement relating to interest, charges and fees shall be governed by Federal law and construed in 
accordance with Federal law and, as made applicable by Federal law, the law of the state of Utah. 
Other terms and provisions shall be governed by and construed in accordance with the law of the 
state of Utah, without regard to principles of conflicts of law, except to the extent preempted, 
superseded, or supplemented by Federal law. 

Additionally, except to the extent preempted, superseded, or supplemented by Federal law and 
except as otherwise stated in this Agreement, the laws of the State of Utah, without regard to 
principles of conflict of laws, will govern any claim or dispute that has arisen or may arise between 
you and us. 

b. Forum for Disputes. Except as otherwise agreed by the parties, in the event that the Agreement 
to Arbitrate in Section 24 below is found not to apply to you or to a dispute either as a result of your 
decision to opt-out of the Agreement to Arbitrate or by the arbitrator(s) or by a court order, you agree 
that any claim or dispute you may have against us must be resolved by a court located in Utah. You 
agree to submit to the personal jurisdiction of the courts located within Utah for the purpose of 
litigating all such claims or disputes. 

24. AGREEMENT TO ARBITRATE.  

IF YOU ARE COVERED BY THE PROTECTIONS OF THE MILITARY LENDING ACT, THIS 
AGREEMENT TO ARBITRATE DOES NOT APPLY TO YOU. 

Please read this provision carefully. It affects your rights and will impact how legal claims 
you and we have against each other are resolved if you do not opt-out of this Agreement to 
Arbitrate. 
a. Opt-Out Procedure. YOU CAN CHOOSE TO REJECT THIS AGREEMENT TO ARBITRATE 
("OPT-OUT") BY MAILING US A WRITTEN OPT-OUT NOTICE. THE WRITTEN OPT-OUT NOTICE 
MUST STATE THAT YOU DO NOT AGREE TO THIS AGREEMENT TO ARBITRATE AND MUST 
BE POSTMARKED NO LATER THAN 30 DAYS AFTER THE DATE THAT YOU AGREE TO THE 
TERMS AND CONDITIONS FOR THE FIRST TIME. THE OPT-OUT NOTICE MUST INCLUDE 
YOUR NAME, EMAIL, PHONE, ADDRESS, AND ACCOUNT NUMBER TO WHICH THE OPT-OUT 
APPLIES. YOU MUST SIGN THE WRITTEN OPT-OUT NOTICE FOR IT TO BE EFFECTIVE. Mail 
the opt-out notice to: 

Jewelry Television Preferred Account c/o Bill Me Later, Inc. 
Attn: Litigation Department 
Re: Opt-Out Notice 
2211 North First Street 
San Jose, CA 95131 

 
This procedure is the only way you can opt-out of the Agreement to Arbitrate. If you opt-out of the 
Agreement to Arbitrate, all other parts of the Terms and Conditions will continue to apply to your 
Account. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future 
arbitration agreements that you may have with us. 

b. You and We Agree to Arbitrate Disputes Between Us. 

If a dispute arises between you and us, our goal is to learn about and address your concerns and, if 
we are unable to do so to your satisfaction, to provide you with a neutral and cost effective means of 
resolving the dispute quickly. If you have a concern, please contact us first at 1-888-223-0991 and 
we will do our best to resolve your concern to your satisfaction. 

Unless you opt-out of the Agreement to Arbitrate, you and we each agree to resolve any 
Claims (as defined below) in accordance with the provisions set forth in this Agreement to 
Arbitrate. Pursuant to this Agreement to Arbitrate, any Claims will be resolved exclusively 
through final and binding arbitration, rather than in court, except that you may assert Claims 
in small claims court, if your Claims qualify and so long as the matter remains in such court 
and advances only on an individual (non-class, non-representative) basis. The Terms and 
Conditions evidence a transaction in interstate commerce, and thus the Federal Arbitration 
Act, 9 U.S.C. § 1 et seq., governs the interpretation and enforcement of this Agreement to 
Arbitrate. The Agreement to Arbitrate shall survive the closing of your Account and/or the 
termination of the Terms and Conditions. 

c. Claims Subject to Arbitration. 

We and you (including users, custodians, and beneficiaries of your Account) agree to arbitrate any 
and all disputes or claims between you and us including claims involving Bill Me Later, Inc. and its or 
the Lender’s agents, employees, officers, directors, predecessors in interest, and successors and 
assigns ("Claim(s)"). This Agreement to Arbitrate is intended to be broadly interpreted. Claims 
include, but are not limited to: 

•  Federal and state statutory claims, common law claims, and those based in contract, tort, 

fraud, misrepresentation or any other legal theory; 

•  Claims or disputes that arose before the effective date of the Terms and Conditions or any 
prior Terms and Conditions (including, but not limited to, claims relating to advertising, 
promotions, or disclosures); and 

•  Claims or disputes that may arise after the termination of the Terms and Conditions. 

d. Notice of Dispute. 

A party who intends to pursue a Claim must first send to the other, by certified mail, a letter 
describing the Claim (a "Notice of Dispute"). Any Notice of Dispute sent to the Lender and/or Bill Me 
Later, Inc. should be addressed to: 

Jewelry Television Preferred Account c/o Bill Me Later, Inc. 
Attn: Litigation Department 
Re: Notice of Dispute 
2211 North First Street 
San Jose, CA 95131 

We will send any Notice of Dispute to you to the mailing address we have on file associated with 
your Account; it is your responsibility to keep your mailing address up to date. The Notice of Dispute 
must (a) describe the nature and basis of the Claim(s); (b) set forth the specific relief sought; (c) set 
forth the name and address of the claimant; and (d) include the Account number to which the 
Claim(s) relates. If you and we are unable to resolve the Claims described in the Notice of Dispute 
within 30 days after the Notice of Dispute is sent, you or we may initiate arbitration proceedings. A 

form for initiating arbitration proceedings is available on the website of the American Arbitration 
Association ("AAA") at www.adr.org. 

e. Prohibition of Class and Representative Actions and Non-Individualized Relief. 

YOU AND WE AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY 
ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY 
PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU 
AND WE AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE 
THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER 
ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE 
ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND 
DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF 
AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT 
PARTY’S INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED CANNOT AFFECT OTHER 
HOLDERS OF A JEWELRY TELEVISION PREFERRED ACCOUNT. 

f. Arbitration Procedures. 

Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator or arbitrators 
instead of a judge or jury, and court review of an arbitration award is very limited. However, the 
arbitrator(s) can award the same damages and relief on an individual basis that a court can award to 
an individual. The arbitrator(s) also must follow the terms of these Terms and Conditions as a court 
would. All issues are for the arbitrator(s) to decide, except that issues relating to arbitrability, the 
scope or enforceability of this Agreement to Arbitrate, or the interpretation of the subsection above 
entitled "Prohibition of Class and Representative Actions and Non-individualized Relief," shall be for 
a court of competent jurisdiction to decide. The arbitration will be conducted by the AAA under its 
rules and procedures, including the AAA’s Consumer Arbitration Rules (as applicable), as modified 
by this Agreement to Arbitrate. The AAA’s rules are available at www.adr.org. 

The arbitration shall be held in the county in which you reside or at another mutually agreed location. 
If the value of the relief sought is $10,000 or less, you or we may elect to have the arbitration 
conducted by telephone or based solely on written submissions, which election shall be binding on 
you and us subject to the discretion of the arbitrator(s) to require an in-person hearing, if the 
circumstances warrant. Attendance at an in-person hearing may be made by telephone by you 
and/or us, unless the arbitrator(s) requires otherwise. 

The arbitrator(s) will decide the substance of all claims in accordance with applicable law, including 
recognized principles of equity, and will honor all claims of privilege recognized by law. The 
arbitrator(s) shall not be bound by rulings in prior arbitrations involving other holders of a Jewelry 
Television Preferred Account, but is/are bound by rulings in prior arbitrations involving the same 
holder of a Jewelry Television Preferred Account to the extent required by applicable law. The award 
of the arbitrator(s) shall be final and binding, and judgment on the award rendered by the 
arbitrator(s) may be entered in any court having jurisdiction thereof. Any settlement offer made by 
you or us shall not be disclosed to the arbitrator. 

g. Costs of Arbitration.  
Payment of all filing, administration, and arbitrator fees will be governed by the AAA’s rules, unless 
otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at 
your request, we will pay all filling, administration, and arbitrator fees associated with the arbitration. 
Any request for payment of fees by us should be submitted to the AAA in your Demand for 
Arbitration and we will make arrangements to pay all necessary fees directly to the AAA. If the value 
of the relief sought is more than $10,000 and you are able to demonstrate that the costs of 
accessing arbitration will be prohibitive as compared to the costs of accessing a court for purposes 
of pursuing litigation on an individual basis, we will pay as much of the filing, administration, and 
arbitrator fees as the arbitrator deems necessary to prevent the cost of accessing arbitration from 

being prohibitive. In the event the arbitrator determines the Claim(s) you assert in the arbitration to 
be frivolous, you agree to reimburse us for all fees associated with the arbitration paid by us on your 
behalf that you otherwise would be obligated to pay under the AAA’s rules. 

h. Severability and Future Amendments to the Agreement to Arbitrate.  
With the exception of any of the provisions in the subsection of this Agreement to Arbitrate titled 
"Prohibition of Class and Representative Actions and Non-Individualized Relief," if a court decides 
that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this 
Agreement to Arbitrate shall still apply. If a court decides that any of the provisions in the subsection 
of this Agreement to Arbitrate titled "Prohibition of Class and Representative Actions and Non-
Individualized Relief" is invalid or unenforceable, then the entirety of this Agreement to Arbitrate shall 
be null and void. The remainder of the Terms and Conditions will continue to apply. 

Notwithstanding any provision in the Terms and Conditions to the contrary, you and we agree that if 
we make any amendment to this Agreement to Arbitrate (other than an amendment to any notice 
address or website link provided in the Agreement to Arbitrate) in the future, that amendment shall 
not apply to any Claim that was filed in a legal proceeding against us prior to the effective date of the 
amendment. The amendment shall apply to all other disputes or Claims governed by the Agreement 
to Arbitrate. We will notify you of amendments to this Agreement to Arbitrate at least 30 days before 
the effective date of the amendments and by providing mail notice. If you do not agree to these 
amended terms, you may close your account within the 30 day period and you will not be bound by 
the amended terms. 

25. SEVERABILITY. Except as otherwise provided herein, if any provision of this Agreement is held 
to be invalid or unenforceable, such determination shall not affect the validity or enforceability of the 
remaining provisions of this Agreement. 

26. BILLING RIGHTS NOTICE. This notice is required by federal law. 

Your Billing Rights - Keep This Notice 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: 

Jewelry Television Preferred Account 
P.O. Box 5018 
Timonium, MD 21094 

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 or email 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 that 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 your credit card, and 
you have tried in good faith to correct the problem with the merchant, you may have the right not to 
pay the remaining amount due on the purchase. 

To use this right, all of the following must be true: 

1. The purchase must have been made in your home state or within 100 miles of your current 
mailing address, and the purchase price must have been more than $50. (Note: Neither of these are 
necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
company that sold you the goods or services.) 

2. You must have used your credit card for the purchase. 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: 

Jewelry Television Preferred Account  
P.O. Box 5018 
Timonium, MD 21094 

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. 

JTVPAT0915 

Comenity Capital Bank Privacy Policy for the JTV Preferred 
Account 

Rev. September 2015 

FACTS 
WHAT DOES COMENITY CAPITAL BANK DO WITH YOUR PERSONAL INFORMATION IN 
CONNECTION WITH YOUR JTV PREFERRED ACCOUNT? 
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 income 
•  Account balance and transaction history 
•  Credit history and credit scores 

When you are no longer our customer, we continue to share your information as described in this 
notice. 
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 Comenity Capital Bank chooses to share; and whether you can 
limit this sharing. 

Reasons we can share your personal 
information 
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 

Does Comenity Capital Bank share? 

Can you limit this sharing? 

Yes 

No 

 
 
 
For our marketing purposes — to offer our products and services to you 

Does Comenity Capital Bank share? 

Can you limit this sharing? 

For joint marketing with other financial companies 

Does Comenity Capital Bank share? 

Can you limit this sharing? 

Yes 

No 

Yes 

No 

For our affiliates’ everyday business purposes — information about your transactions and 
experiences 

Does Comenity Capital Bank share? 

Can you limit this sharing? 

Yes 

No 

For our affiliates’ everyday business purposes — information about your creditworthiness 

Does Comenity Capital Bank share? 

Can you limit this sharing? 

For our affiliates to market to you 

Does Comenity Capital Bank share? 

Can you limit this sharing? 

For non-affiliated companies to market to you 

Does Comenity Capital Bank share? 

Can you limit this sharing? 

No 

No 

No 

No 

No 

No 

Questions? 
Call: 1-888-223-0991. For operator relay assistance, first dial 711. 
Who we are 
Who is providing this notice? 
This privacy notice is provided by Comenity Capital Bank and is applicable to all JTV Preferred 
Accounts. 
What we do 
How does Comenity Capital Bank 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 Comenity Capital Bank collect my personal information? 
We collect your personal information, for example, when you: 

•  Open a JTV Preferred Account or use your JTV Preferred Account 
•  Pay your bill or give us your contact information 
•  Provide account information 

 
We also collect your personal information from others such as credit bureaus, affiliates, and 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 non-affiliated companies 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? 
We do not offer joint accounts. 
Definitions 
Affiliates 
Companies related by common ownership or control. They can be financial and nonfinancial 
companies. 

•  Comenity Capital Bank does not share with affiliates. However, our affiliates include 

companies with the Comenity name, and other nonfinancial companies, such as Epsilon, 
Alliance Data and LoyaltyOne. 

Non-affiliated Companies 
Companies not related by common ownership or control. They can be financial and non-financial 
companies. 

•  Comenity Capital Bank does not share with nonaffiliates so they can market to you. 

Nonaffiliates we share with can include financial service providers — like Bill Me Later, Inc. 
and PayPal, Inc. — retailers, direct marketers, publishers, and nonprofit organizations. 

Joint Marketing 
A formal agreement between nonaffiliated financial companies that together market financial 
products or services to you. 

•  Our joint marketing partners include financial companies — like PayPal, Inc. — banks, or 

insurers. 

Other Important Information 
We will also comply with more restrictive state laws to the extent that they apply. For example, if 
your billing address is in Vermont or California, we will automatically opt you out of sharing your 
information with nonaffiliates for marketing purposes. 

 
Jewelry Television Preferred Account Terms and Conditions

Page 1 of 1

Pricing Addendum to the Jewelry Television Preferred Account Terms and Conditions

Annual Percentage 
Rate (APR) for 
Standard Purchases

25.99%

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on Standard 
Purchases if you pay the entire balance by the due date each month. We will charge interest on a Deferred Interest 
Purchase from its transaction date, unless you pay the Deferred Interest balance in full by its expiration date, which will 
be at least 6 months after the transaction date.

Minimum Interest Charge If I am charged interest, the charge will be no less than $2.00.

Annual Fees

None

Penalty Fees

Late Payment Fee

Returned Check Fee

Up to $38.00

Up to $27.00

Balance Computation 
Method

The Lender uses a method called "average daily balance (including new Purchases)". See the Terms and Conditions of 
the Jewelry Television Preferred Account, Section 7, for more details.

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.

Billing Rights

Information on your rights to dispute transactions and how to exercise those rights is provided in the Terms and 
Conditions of the Jewelry Television Preferred Account.

rev. 06/17

https://www.billmelater.com/cm/pricing-addendum-jtv.html

10/20/2017