Terms of Use

• FINGERHUT.COM
  
  This website is operated by Fingerhut.
  The mailing address for Fingerhut is 6250 Ridgewood Rd., St. Cloud, MN 56303.
  
  

Your Use of This Website and Fingerhut Affiliated Websites is Governed by These Terms of Use

• Please take a few minutes to review these Terms of Use. Your use of this website or other Fingerhut affiliated websites (collectively, the "Site") constitutes your agreement to follow these Terms of Use and to be bound by them. If you do not want to be bound by these Terms of Use, please do not use the Site.
  
  

Privacy

• Please review our Privacy Policy, which also governs your use of this Site. Our Privacy Policy is incorporated by reference into these Terms of Use, and your use of this Site constitutes your agreement to be bound by the Privacy Policy.
  
  

Paramountcy

• To the extent applicable, these Terms of Use and the terms of any Fingerhut-branded credit agreement you have or may use in connection with this Site are to coexist and be read consistently with one another. To the extent there is any conflict or inconsistency between the provisions of these Terms of Use and the provisions of any Fingerhut-branded credit agreement you have or use in connection with this Site, the provisions of the Fingerhut-branded credit agreement shall govern.
  
  

These Terms of Use May Change

• Fingerhut reserves the right to update or modify these Terms of Use at any time without prior notice. Your use of this Site following any such change constitutes your agreement to follow and be bound by the Terms of Use as changed. For this reason, we encourage you to review these Terms of Use each time you use this Site.
  
  

Use of This Site

• By using this Site and accepting these Terms of Use, you certify that you are 18 years of age or older. Anyone under the age of 18 should not use this Site unless supervised by an adult who agrees to be bound by these Terms of Use and who agrees to be fully responsible for use of this Site, including all financial charges and legal liability that may be incurred.
  
  You agree that you are buying products for your own use and not for resale or export outside the United States. You may be required to register with Fingerhut in order to access certain services or areas of the Site. The user name and password for any account you establish with Fingerhut are for your personal use only. If you use the Site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. All billing and registration information you provide on this Site must be truthful and accurate. Providing any untruthful or inaccurate information on this Site may constitute a breach of these Terms of Use. By confirming your purchases at the end of the checkout process, you are agreeing to accept and pay for the items purchased.
  
  

Copyrights and Other Intellectual Property

• All of the content you see and hear on the Site, including, for example, all text, images, illustrations and graphics, is subject to copyright, trademark, service mark and/or other intellectual property rights or licenses held by Fingerhut, one of its affiliates, or by third parties who have licensed their materials to Fingerhut. The entire content of this Site is copyrighted as a collective work under the copyright laws of the United States and Fingerhut owns a copyright in the selection, coordination, arrangement and enhancement of the content.
  
  The content of this Site as a whole is intended solely for personal, noncommercial use by the users of our Site. You may download, print and store selected portions of the content, provided you (1) only use these copies of the content for your own personal, non–commercial use, (2) do not copy or post the content on any network computer or broadcast the content in any media, and (3) do not modify or alter the content in any way, or delete or change any copyright or trademark notice. No right, title or interest in any downloaded materials or software is transferred to you as a result of any such downloading. Fingerhut reserves complete title and full intellectual property rights in any content and/or software you download from this Site.
  
  Except as noted above, you may not copy, download, reproduce, modify, publish, distribute, transmit, transfer or create derivative works from the content without first obtaining written permission from Fingerhut.
  
  

Idea Submissions

• Fingerhut is always pleased to hear from members of the Fingerhut community and welcomes your comments regarding Fingerhut’s products and services.
  
  If you send us an unsolicited suggestion, idea, proposal or other material (collectively, the “Submission”), Fingerhut will consider the Submission to be non-confidential and non-proprietary. Fingerhut shall have no obligations concerning the Submission, contractual or otherwise (including but not limited to an obligation to keep the Submission confidential), and shall not be liable for any use or disclosure of any Submission. Fingerhut shall be entitled to a non-exclusive license to use the Submission for any purpose whatsoever, commercial or otherwise, without compensation to you.
  
  If you send us, at our request, a comment or suggestion to improve this Site or add a new category or feature (for example through our social media networks, customer support web forms or otherwise) (collectively, the “Suggestion”), Fingerhut will consider the Suggestion to be non-confidential and non-proprietary. Fingerhut shall have no obligations concerning the Suggestion, contractual or otherwise (including but not limited to an obligation to keep the Suggestion confidential), and shall not be liable for any use or disclosure of any Suggestion. Fingerhut shall be entitled to a non-exclusive license to use the Suggestion for any purpose whatsoever, commercial or otherwise, without compensation to you.
  
  

User Generated Content

1. Generally
   Fingerhut may reach out to users to seek permission to feature their content on our various sites, social channels, and various promotional materials. This section of the Terms of Use describes the terms and conditions under which Fingerhut may use the content created and posted by you (“User Generated Content”), and as more specifically identified and described in the language Fingerhut sent you to request use of your User Generated Content.
   
   
2. This is a Binding Contract
   By replying/responding “yes” to the request to use your User Generated Content, you allow Fingerhut to use your User Generated Content, and you are entering an agreement with Fingerhut and agree to be bound by Fingerhut’s Privacy Policy and Terms of Use, without limitation or qualification. Fingerhut reserves the right to modify its Privacy Policy and Terms of Use by posting new versions thereof, as well as the right to provide additional notice of material changes, which modifications and changes will be effective immediately.
   
   Accordingly, you should review the Terms of Use each time you grant permission or authorization to feature your User Content.
   
   This section in no way limits or impacts the Limitation of Liability or Enforcement of Terms of Use detailed below.
   
   
3. License
   You hereby grant to Fingerhut and its related companies, agents, licensees, sublicensees, contractors, successors, legal representatives, assigns, and third-party service providers, and their respective retail partners, marketing or public relations agencies, and other affiliates (the “Licensed Parties”) a worldwide, perpetual, irrevocable, royalty-free, fully-paid, non-exclusive, transferable, sublicensable right to use, publish, broadcast, post online, and copyright your (i) name, voice, picture, portrait, and likeness (“Name” and/or “Likeness”) as such Name and/or Likeness appears in or in connection with your User Generated Content; and (ii) the User Generated Content in and in connection in any manner to be determined in the Licensed Parties’ sole discretion, including but not limited to on webpages and social media pages operated by the Licensed Parties, in promotional emails and advertisements, and in any and all other marketing, promotional and advertising initiatives, and in any media now or hereafter known. The Licensed Parties may modify the User Generated Content for formatting, navigational, integration or other purposes, but such modifications will not materially distort such User Generated Content.
   
   No advertisement, promotional media, or other material in any media containing your Name and/or Likeness related to the User Generated Content need be submitted to you for any further approval for use by the Licensed Parties, and the Licensed Parties shall be without liability to you for any distortion or illusionary effect resulting from the publication of your Name and/or Likeness.
   
   You hereby release, discharge and agree to hold the Licensed Parties, and any person acting on their behalf, harmless from any liability related in any way to the Licensed Parties’ use of your User Generated Content.
   
   The User Generated Content and any Name and/or Likeness that you submit is deemed non-confidential and the Licensed Parties have no obligation to maintain the confidentiality of any information, in whatever form, contained in any submission, except pursuant to the Licensed Parties’ respective privacy policies.
   
   By using this Site or the Services, you are consenting to the Licensed Parties’ collection of any personal information you provide for the Licensed Parties’ use and disclosure in connection with the use of your User Generated Content as described herein and in the Fingerhut Privacy Policy. If you do not agree to the collection, use and disclosure of your personal information in this way, please do not use this Site or the Services, otherwise provide the Licensed Parties with personal information, and please reply or answer “no” to the request from Fingerhut to use your content or via the platform on which your User Generated Content appeared. Your personal information may be transferred to servers located outside the country in which you live or to third parties in other countries so that they may process personal information on the Licensed Parties’ behalf. By using the Site or the Services or otherwise providing the Licensed Parties with personal information, you agree to the foregoing collection, use, disclosure, transfer and processing of your information in accordance with these Terms of Use, the Privacy Policy, and applicable data protection laws and regulations.
   
   
4. Your Representations
   You hereby agree, acknowledge, and warrant that:
   1. You are 18 years of age or older;
   2. You are solely responsible for your User Generated Content;
   3. You own all rights in and to your User Generated Content and/or have obtained appropriate rights and permissions from any and all other persons and/or entities who own, manage or otherwise claim any rights with respect to such User Generated Content;
   4. Fingerhut’s and the Licensed Parties’ use of your User Content as described herein will not violate the rights, including but not limited to copyright, trademark, patent, trade secret; privacy, publicity, moral, proprietary or other rights, of any third party, or any law, rule or regulation; and
   5. The User Content is not libelous, defamatory, obscene, pornographic, abusive, indecent, threatening, harassing, hateful, or offensive or otherwise unlawful.
      
      
5. Miscellaneous
   You agree that if Fingerhut does not exercise or enforce any legal right or remedy which is contained in this section of the Terms of Use, (or which Fingerhut has the benefit of under any applicable law), this will not be taken to be a formal waiver of Fingerhut’s rights and that those rights or remedies will still be available.
   
   If any court of law, having the jurisdiction to decide on this matter, rules that any provision of these Terms of Use are invalid, then that provision will be removed without affecting the rest of the Terms of Use. The remaining provisions of these Terms of Use will continue to be valid and enforceable.

Customer Submitted Content

• You promise not to post, upload or transmit any unlawful, threatening, defamatory, libelous, obscene, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense or give rise to civil liability, or otherwise violate any law. Fingerhut reserves the right to prevent or to remove any such content at its sole discretion.
  
  

Security

• You are prohibited from violating or attempting to violate the security of this Site, including, without limitation, accessing data or logging onto a server or account which you are not authorized to access; attempting to breach security or authentication measures and attempting to interfere with service to any user, host or network, including via means of introducing a virus to the Site, overloading or flooding, spamming, mail bombing or crashing.
  
  You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of this Site or any activity being conducted on this Site. You agree further not to use or attempt to use any engine, software, tool, agent or other device or mechanism to navigate or search this Site other than the search engines and search agents available from Fingerhut.com on this Site and other than generally available third party web browsers such as Internet Explorer, Firefox, Safari, etc.
  
  Violations of the security of this Site may result in civil or criminal liability. Fingerhut may cooperate with law enforcement authorities in prosecuting users who are involved in such violations.
  
  

Correction of Errors and Inaccuracies; Limitations on Quantity; Returns; Risk of Loss

• The information on this site may contain typographical errors or inaccuracies and may not be complete or current. As a result, we cannot and do not guarantee the accuracy or completeness of any information, including prices, product images, specifications, availability and services. We therefore reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice (including after an order or shipping confirmation) and with no further obligations to you. We also reserve the right to limit quantities (including after you have submitted your order). In the event of an error, we reserve the right to refuse or cancel any orders placed for that item. We apologize for any inconvenience this may cause you. If you are not fully satisfied with your purchase you may return it in accordance with the terms of our Return Policy. The risk of loss and title to items purchased from Fingerhut pass to the purchaser upon our delivery to the carrier. 
  
  We do not offer additional discounts on large orders of a single item or on large orders of many individual items. In addition, we reserve the right to limit quantities on orders placed by the same account, on orders placed by the same credit card, and on orders that use the same billing or shipping address. We reserve the right to prohibit purchases of any merchandise to resellers. Resellers are defined as a company or an individual who purchases goods with the intention of selling them rather than using them.
  
  

Right to Terminate

• Fingerhut may limit, suspend, or terminate your account or discontinue your use of this Site if you violate these Terms of Use or if you use this Site in a way that causes legal liability to us or disrupts others’ use of this Site. Fingerhut may also limit, suspend, or terminate your account or discontinue your use of this Site at Fingerhut’s sole discretion.
  
  

Disputes

• Any and all claims or disputes relating in any way to your use past, present or future use of this Site, or to any products or services sold or distributed by Fingerhut through this Site, will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify. The Federal Arbitration Act and federal arbitration law apply to this agreement.
  
  For all claims or disputes, you must first give us an opportunity to resolve your claim by sending a written description of your claim to the following mailing address: 6250 Ridgewood Rd., St. Cloud, MN 56303. We each agree to negotiate with each other in good faith about your claim. If we do not resolve the claim within 60 days after we receive this claim description, you may pursue your claim in arbitration. You may pursue your claim in a court only under the circumstances described in the paragraph above.
  
  There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages), and must follow the terms of these Terms of Use as a court would.
  
  To begin an arbitration proceeding, you must send a letter requesting arbitration and describing your claim to our registered agent CT Corporation System Inc., 100 South 5^th Street, Suite 1075, Minneapolis, Minnesota 55402. The arbitration will be conducted by the American Arbitration Association (AAA) under its rules, specifically the “Consumer Arbitration Rules,” which may be found at www.adr.org, by referencing the “Rules & Forms” tab at the top of the page, by clicking on this link, or by calling 1-800-778-7879. Payment of all filing, administration and arbitrator fees will be governed by the AAA's rules. We will reimburse those fees for claims totaling less than $10,000 unless the arbitrator determines the claims are frivolous. Likewise, Fingerhut will not seek attorneys' fees and costs, those available under applicable law, in arbitration unless the arbitrator determines the claims are frivolous. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person in the county where you live or at another mutually agreed location.
  
  We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim proceeds in court rather than in arbitration, we each waive any right to a jury trial. We also both agree that you or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights.
  

DISCLAIMERS –– GENERAL

• THE SITE IS OPERATED BY FINGERHUT ON AN "AS IS," "AS AVAILABLE" BASIS, WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, TO THE FULL EXTENT PERMITTED BY LAW. FINGERHUT, ITS AFFILIATES AND PARTNERS DISCLAIM ANY AND ALL REPRESENTATIONS AND WARRANTIES WITH RESPECT TO THIS SITE AND ITS CONTENTS, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE OR USE.
  
  WITHOUT LIMITING THE FOREGOING, FINGERHUT, ITS AFFILIATES AND PARTNERS DISCLAIM ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, FOR ANY MERCHANDISE OFFERED ON THIS SITE. THIS DISCLAIMER DOES NOT APPLY TO ANY PRODUCT WARRANTY OFFERED BY THE MANUFACTURER OF THE ITEM.
  
  WITHOUT LIMITING THE FOREGOING, FINGERHUT, ITS AFFILIATES AND PARTNERS DO NOT REPRESENT OR WARRANT THAT THE INFORMATION ON THIS SITE IS ACCURATE, COMPLETE, RELIABLE, USEFUL, TIMELY OR CURRENT OR THAT THIS SITE WILL OPERATE WITHOUT INTERRUPTION OR ERROR.
  
  WITHOUT LIMITING THE FOREGOING, FINGERHUT, ITS AFFIILATES AND PARTNERS DISCLAIM ANY LIABILITY AS TO THE ACCURACY OR COMPLETENESS OF EACH ITEM DESCRIPTION. ALL PRODUCT DESCRIPTIONS ORIGINATE FROM THE MANUFACTURER OF THE ITEM.
  
  FINGERHUT, ITS AFFILIATES AND PARTNERS DO NOT ENDORSE OR MAKE ANY WARRANTIES OR REPRESENTATIONS ABOUT THE OPTIONS OR OTHER SERVICE OR DATA YOU MAY ACCESS, DOWNLOAD OR USE AS A RESULT OF THE USE OF THE INFORMATION CONTAINED ON THIS SITE, OR ABOUT ANY WEBSITE YOU MAY ACCESS THROUGH THIS SITE. LINKS TO OTHER WEBSITES ARE PROVIDED FOR CONVENIENCE ONLY. YOU NEED TO MAKE YOUR OWN DECISIONS REGARDING YOUR INTERACTIONS OR COMMUNICATIONS WITH ANY OTHER WEBSITE.
  
  FINGERHUT, ITS AFFILIATES AND PARTNERS MAKE NO REPRESENTATIONS THAT CONTENT PROVIDED ON THIS SITE IS APPLICABLE OR APPROPRIATE FOR USE IN LOCATIONS OUTSIDE OF THE UNITED STATES.
  
  FINGERHUT, IT AFFILIATES AND PARTNERS ASSUME NO RISK OR RESPONSIBILITY FOR YOUR USE OF ANY OF THE CONTENT PROVIDED ON THIS SITE.
  
  

LIMITATION OF LIABILITY

• UNDER NO CIRCUMSTANCES, SHALL FINGERHUT, ITS AFFILIATES OR PARTNERS, OR ANY OF THEIR EMPLOYEES, DIRECTORS, OFFICERS, AGENTS, VENDORS OR SUPPLIERS BE LIABLE FOR ANY DIRECT OR INDIRECT LOSSES OR DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE USE OF OR INABILITY TO USE THIS SITE.
  
  THIS IS A COMPREHENSIVE LIMITATION OF LIABILITY THAT APPLIES TO ALL LOSSES AND DAMAGES OF ANY KIND (WHETHER GENERAL, SPECIAL, CONSEQUENTIAL, INCIDENTAL, EXEMPLARY OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, LOSS OF DATA, INCOME OR PROFITS), WHETHER IN CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, EVEN IF AN AUTHORIZED REPRESENTATIVE OF FINGERHUT HAS BEEN ADVISED OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES.
  
  IF YOU ARE DISSATISFIED WITH THIS SITE OR ANY CONTENT ON THE SITE, OR WITH THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THIS SITE. YOU ACKNOWLEDGE, BY YOUR USE OF THIS SITE, THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK.
  
  APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OF LIABILITY SET FORTH ABOVE, SO THIS LIMITATION OF LIABILITY MAY NOT APPLY TO YOU. IF ANY PART OF THIS LIMITATION ON LIABILITY IS FOUND TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THEN THE AGGREGATE LIABILITY OF FINGERHUT, ITS AFFILIATES AND PARTNERS UNDER SUCH CIRCUMSTANCES FOR LIABILITIES THAT OTHERWISE WOULD HAVE BEEN LIMITED SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).
  
  EACH PROVISION OF THESE TERMS OF USE THAT PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS TO ALLOCATE THE RISKS UNDER THE AGREEMENT BETWEEN YOU AND FINGERHUT. THIS ALLOCATION IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND FINGERHUT. THE LIMITATIONS IN THIS SECTION WILL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE(S).
  
  

ENFORCEMENT OF TERMS OF USE

• BY ACCESSING AND USING THE SITE, YOU AGREE THAT YOUR ACCESS TO AND USE OF THIS SITE IS SUBJECT TO THESE TERMS OF USE. YOU ALSO AGREE THAT ALL MATTERS RELATING TO YOUR ACCESS TO OR USE OF THE SITE AND ALL MATTERS ARISING OUT OF OR RELATED TO THESE TERMS OF USE WILL BE GOVERNED BY THE LAWS OF THE STATE OF MINNESOTA, WITHOUT REGARD TO MINNESOTA’S CHOICE OF LAW PRINCIPLES.  

Miscellaneous

• No provision of these Terms of Use may be waived except pursuant to a writing executed by the party against whom the waiver is sought. No failure to exercise, partial exercise of or delay in exercising any right or remedy under these Terms of Use will operate as a waiver or estoppel of any right, remedy or condition. If any provision of these Terms of Use is held invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions will not be affected or impaired. Fingerhut will not be responsible for failure to fulfill any obligation due to causes beyond its control.
  
  

EFFECTIVE DATE May 14, 2020.