Your Account in Plain English

This is a short summary. The full documents are what count, and you can open each one from the sign-up page. Independent Tools is LCB Tools, Inc., DBA Independent Tool Solutions, 482 W 2965 S, Nibley, UT 84321. Call or text (208) 731-9819, or email accounts@independenttools.co.

• You pay for what you take. Your balance is your personal debt, not your shop's. A problem with one tool doesn't let you hold back payments; warranty handles that.
• Your payment. Route: the amount and day we agree on, signed on the pad, paid at the truck or by autopay. Website: 10% of your balance each week, by autopay on the day you pick, with a $500 balance cap.
• Your saved card stays on file until you're at $0. We charge it for your scheduled payments, missed payments and fees, declined sales and returned checks. If your bank sends us an updated card number, we use it. While you owe, you can swap cards but not remove the last one. Stopping autopay doesn't stop what you owe. If a charge will be bigger than usual, we'll tell you at least 10 days ahead.
• Changing jobs or shops doesn't change your payments. Tell us within 7 days how to reach you, and keep paying on the same schedule.
• Falling behind. Route: a $10 late fee the day a scheduled payment fails. Website: a $10 late fee, and if you don't catch up within a week, late interest of 10% a year until you do.
• Staying behind. If a payment is still unpaid 10 days after a past-due notice, or you miss two payments and go quiet for 14 days, we can call the whole balance due, stop selling to you on account, send it to collections or go to court in Cache County. Collection costs and attorney fees get added.
• Tools priced $100 or more are ours until they're paid off. If you default, we can take them back.
• Returns. Route: within 7 days, brand new and unopened, at our discretion. Website orders (including ones brought on the truck) are final once we've pulled them.
• Card disputes. Call us first. If you dispute a charge you authorized, we send your bank your signed agreement, and anything we lose goes back on your balance.
• Statements. Monthly by email. Every receipt has a "my balance is correct" button. If something's wrong, tell us within 60 days.
• Life happens. Injury, a death in the family, a layoff? Call us. At our discretion, we can give you a hardship pause on payments or late fees for up to 30 days at a time. It only counts if we send it to you in writing.
• How you agree. You agree by signing, or by buying from the truck or charging to your account after you've been given these terms. You never have to do business with us. If you don't agree, don't buy.
• Disputes. Utah law. Claims about money owed go to court in Cache County. Everything else goes to individual arbitration, and you can opt out of arbitration within 30 days.
• Changes. We'll email you at least 30 days before we change these terms. If any part is ever found unenforceable, the rest still stands.