1. The Agreement

2. What is MoveForward?

To start using MoveForward, you need to open a “MoveForward” account. 

There are NO BANK CHARGES ASSOCIATED WITH THIS AGREEMENT. The issuer of your Payment Method may charge interest or other charges in accordance with the terms and conditions of the agreement between you and your Payment Method issuer. 

MoveForward identifies User Accounts by linking their email address and mobile numbers to the user account. We also use One-Time Passwords to secure your Account.

To create a MoveForward User Account, we require that you provide us with your mobile number and prove that you have possession of that device by entering an OTP. We then ask you to create a PIN and identify yourself. User identification properties that we ask for include, but are not limited to, first and last name, address, date of birth, email address, and a valid ID. 

BY PROVIDING YOUR MOBILE PHONE NUMBER TO US, YOU PROVIDE YOUR PRIOR EXPRESS CONSENT FOR US AND OUR SERVICE PROVIDERS TO SEND MOVEFORWARD OTP TEXTS TO YOUR NUMBER. 

If we cancel your previously approved application or Order: 

 - We will apply a full refund of any amounts you have paid (excluding any chargebacks or fees incurred in relation to your payment), and will cancel any future payments related to that Order; 

 - The Brand Partner providing the merchandise will not be obliged to deliver the goods (or provide any related services); and 

 - You will have no obligation to make any further payments to us or continue any other ongoing relationship with us, with respect to your application. 

A. Payment Schedule.  Once we approve the financing for your Order, you will receive an email from us with confirmation of receipt of your Order and a Payment Schedule. This Payment Schedule email is your written confirmation that you have agreed to make regularly scheduled electronic payments. You agree to make payment(s) in accordance with the Payment Schedule. You may make early payments through your MoveForward Account without any penalty or added fee; otherwise, MoveForward will automatically process payments in accordance with the due dates stated on the Payment Schedule. You authorize MoveForward to process such payments using the Payment Method details provided by you. If an Automatic Payment fails on any of the dates specified in your Payment Schedule, MoveForward reserves the right to re-attempt to process the payment at a later time(s) or date(s). (a) An ‘Automatic Payment’ is a payment, through the Payment Method you have chosen, that we will automatically process and collect. This 'Payment Method' can be a bank account or payment card. This Payment Method can be charged on a one-time or regular basis in agreed-upon amounts as outlined in your Payment Schedule. You will have the option to select a preferred Payment Method when your MoveForward Account is being created. You can update or change your preferred Payment Method at any time via your MoveForward Account.

B. Authorization.  You give us consent and authorization to process and collect Automatic Payment amounts using any Payment Method on file, beginning with your preferred Payment Method for the amounts and on those scheduled dates set out in your Payment Schedule. You acknowledge that you are giving us the ability to collect or reverse variable payment amounts from or to this bank account or payment device, in accordance with your Payment Schedule and the terms of this Agreement. You authorize us to satisfy any monetary liability you owe us by:

i) Processing and collecting the payment using any of your preferred Payment Methods on file with us at a later time(s) or date(s);

ii) Processing and collecting the payment using any other Payment Method which you have provided details of;

iii) Offsetting the payment amount against any amounts we may owe to you; or

iv) Any other legal means.

C. Sufficient funds are required.  You are responsible for ensuring that you have sufficient funds in your bank account or payment card available to make Automatic Payments on the dates specified in your Payment Schedule. You are liable for any fees or charges imposed by your Payment Method, except to the extent that such fees or charges arise as a result of our error or system failure. If you cannot make a payment or know that you have insufficient funds, you must provide us with reasonable notice, five (5) business days before your due date to change the payment method or payment date.

D. Error Correction.  If we make an error, you must notify us within three (3) business days of receiving your statement from us. If we are timely notified, we will correct the error and reimburse you any fees or charges imposed as a result of our error or system failure. To file a claim, email us at [email protected] or send us a message on MoveForward official Facebook page. Please provide us with a copy of the relevant records so we can locate your account and identify the issue.

After deactivation, you are still required to make payment for each Order according to your Payment Schedule and this Agreement. You can reactivate your MoveForward Account by voluntarily paying us: (i) any past due payments owed to us for each Order according to your Payment Schedule, as adjusted; and (ii) any outstanding Account Reactivation Fees. We will attempt to process Failed Payments and collect any related Account Reactivation Fees by using the payment methods you have provided us. If we successfully process all existing Failed Payments and Account Reactivation Fees, your MoveForward Account will then be returned to active status. Where prohibited by law, MoveForward does not charge fees for account reactivation.

3. Using MoveForward

Unauthorized Transactions: If your problem is a MoveForward transaction that you did not Authorize, please contact MoveForward at [email protected] or send us a message on MoveForward official Facebook page to report the unauthorized transaction.

All Other Transactions: For MoveForward to help you, you must have an Account in good standing, have purchased the item with MoveForward, and be on time with all Installment Payments to date.

4. Fees

Additionally, the aggregate sum of Penalty and Late Fees associated with a particular order will not exceed 25% of the order value at the time of purchase. Thus, lower value purchases may be subject to fewer or lesser Late Fees in the event of late payment.

It's alright. We get it – life happens! Whether this means sticking to your current installment plan or we come up with a new payment plan that best suits you, we can provide you with options to avoid piling up late payment fees.

If you missed your due date(s) for any reason, make sure you reach out to us. Together, we will find the best solution to get you back on track. Simply email us at [email protected] so we can assist you.

Our payment restructuring scheme is available to every MoveForward community member.

5. Our Communications

To opt-out of automated texts from us, reply STOP to any text from us at any time. You agree to and will then receive a single final text message confirming your opt-out.

We and our service providers will not use auto dialed or artificial or prerecorded message calls or texts to contact you for marketing purposes at the telephone number(s) you designate unless we receive your prior express written consent. Standard telephone minute and text charges may apply. You, not us, will be solely responsible for any carrier charges because of calls or texts from us. You warrant and represent that you are either the account holder of any phone numbers you provide to us, or you have the express permission of the account holder to provide such numbers. You also agree that if and before you disconnect or transfer any phone number you provided us, you will send all necessary texts or other communications to us in order to stop future text messages from being sent to that number. We reserve the right, in our sole discretion, to cancel or suspend any or all of our texting program, in whole or in part, for any reason, with or without notice to you. We are not responsible for incomplete, lost, late, or misdirected text messages, including, but not limited to, undelivered texts resulting from any form of filtering by your mobile carrier or service provider, and we cannot guarantee that each user will receive the benefit of the texting program for each text message sent. You may respond with HELP to any text from us at any time if you require assistance with the texting program. Alternatively, you may email us at [email protected]. When emailing or calling for support, please be sure to include your mobile number and a detailed description of your question or support issue.

6. Your Privacy and our Privacy Policies

7. Our Intellectual Property and Your Use of It

8. Identifying You

9. Activities Restricted Throughout MoveForward Services

A. Breach this Agreement, the Acceptable Use Policy or any other agreement or policy that you have agreed to with MoveForward, or engage in any activities that violate any applicable law, statute, regulation, or ordinance;

B. Infringe MoveForward’s or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;

C. Act in a manner that is defamatory, trade libelous, threatening or harassing to MoveForward;

D. Provide false, inaccurate, or misleading information;

E. Pay any obligation to us with stolen funds, ill-gotten gains, or funds procured through ID theft or fraud;

F. Refuse to cooperate in an investigation or provide confirmation of your identity or any Information you provide to us;

G. Attempt to double dip during a dispute by receiving or attempting to receive funds from both MoveForward and the Merchant or bank for the same transaction;

H. Control an Account that is linked to another Account that has engaged in any of these Restricted Activities;

I. Conduct your business or use the MoveForward Services in a manner that results in or may result in complaints, Disputes, Reversals, fees, fines, penalties, or other liability to MoveForward, other Users, third parties, or you;

J. Use your Account or the MoveForward Services in a manner that MoveForward, or any other electronic funds transfer network reasonably believes to be an abuse of any bank transfer system or a violation of card association or network rules;

K. Provide yourself a cash advance, wire, or money transfer (or help others to do so);

L. Take any action that imposes an unreasonable or disproportionately large load on our infrastructure; facilitate any viruses, Trojan horses, worms, or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or Information; use an anonymizing proxy; use any robot, spider, other automatic devices, or manual process to monitor or copy our website without our prior written permission; or use any device, software or routine to bypass our robot exclusion headers, or interfere or attempt to interfere with our website, mobile App or the MoveForward Services;

M. Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers; Use the MoveForward Services to test payment behaviors;

N. Circumvent any MoveForward policy or determinations about your Account such as temporary or indefinite suspensions or other limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to create new or additional MoveForward Account(s) when an Account has been restricted, suspended or otherwise limited; creating new or additional MoveForward Accounts using Information that is not your own (e.g. name, address, email address, etc.); or using someone else’s MoveForward Account;

O. Harass or threaten our employees, agents, or other Users.

10. Liability

If you intend to file or file bankruptcy, send all required notices to [email protected]. The notice must be typed (not handwritten), contain your name and account number, and provide information about the bankruptcy court and date of filing. If you do not comply with this notice procedure, we may not be able to correctly update your account to prevent collection notices or calls.

(ii) Delays or disruptions in MoveForward’s sites and services; 

(iii) Viruses or other malicious software obtained by accessing MoveForward’s sites or services or any site or service linked to MoveForward’s sites or services; 

(iv) Glitches, bugs, errors, or inaccuracies of any kind in MoveForward’s sites or services or in the information and graphics obtained from them; 

(v) The content, actions, or inactions of third parties; 

(vi) A suspension or other action is taken with respect to your account; 

(vii) Your need to modify practices, content, or behavior, or your loss of or inability to do business, as a result of changes to this user agreement or MoveForward’s policies. moveforward reserves the right to modify its policies and this user agreement at any time consistent with the provisions outlined herein.

10.4 No Warranty

11. Leaving MoveForward

You may not close your Account to evade an investigation. If you attempt to close your Account while we are conducting an investigation, we may hold your Account open for up to 180 Days to protect MoveForward, Merchants, its Affiliates, or a third party against the risk of Reversals, fees, fines, penalties, and other liability. You will remain liable for all obligations related to your Account even after the Account is closed.

12. Disputes with MoveForward

14. General Provisions