TERMS

Payment for material is due and payable as and when good are delivered and is delinquent after the 10^th day following the date of the statement. 2% FINANCE CHARGE on all accounts 30 days past due which is and ANNUAL PERCENTAGE RATE OF 24%. It is agreed that title to ownership in, and right of possession of all goods listed on the invoice shall remain vested in THE T.C. MURPHY LUMBER CO., INC. until fully paid for. We do not offer any plan for installments, differed or extended payment other than Master Charge or Visa.

All Merchandise must be checked when received or no claims for shortages will be allowed. Stock items may be returned in good condition within 30 days of delivery or purchase, but subject to a discount of 15% to cover re-handling. All returns must be accompanied by the original invoice.

NO RETURNS ON SPECIAL ORDERS.

 

 

 

STATEMENT OF FAIR CREDIT BILLING RIGHTS

In Case of Errors or Inquiries About Your Bill

            Send your inquiry in writing: ATTENTION BILLING DEPARTMENT, on a separate sheet so the creditor receives it within 60 days after the bill was mailed to you. Your written inquiry must include:

1.      Your name and account number.

2.      A description of the error and why (to the extent you can explain) you believe it is an error; and

3.      The dollar amount of the suspected error.

If you have authorized your creditor to automatically pay your bill from your checking or savings account, you can stop or reverse payment on any amount you think is wrong by mailing your notice so that the creditor receives it within 60 days after the bill was sent to you.

You remain obligated to pay the parts of your bill not in dispute, but you do not have to pay any amount in dispute during the time the creditor is resolving the dispute. During that same time, the creditor may not take any action to collect dispute amounts or report disputed amounts as delinquent.

If you have a problem with property or service purchased with a credit card you may have the right not to pay the remaining amount due on them if you first try in good faith to return them or give the merchant a chance to correct the problem. There are two limitations to this right:

1.      You must have bought them in your home state or, if not within your home state, within 100 miles of your current mailing address; and

2.      The purchase price must have been more than $50.00.

However, these limitations do not apply if the merchant is owned or operated by the creditor or if the creditor mailed you the advertisement for the property or services.

This is a summary of your rights, a full statement of your rights and the creditor’s responsibility under the Federal Fair Credit Act will be sent to you upon request and in the response to a billing error notice.

 

 

 

PRIVACY POLICY

This privacy policy discloses the privacy practices for www.myaccount.tcmurphylumber.com. This privacy policy applies solely to information collected by this web site. It will notify you of the following:

1.         What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.

2.         What choices are available to you regarding the use of your data.

3.         The security procedures in place to protect the misuse of your information.

4.         How you can correct any inaccuracies in the information.

 

Information Collection, Use, and Sharing

We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.

 

We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to ship an order.

 

Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.

 

You’re Access to and Control Information

You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:

   • See what data we have about you, if any.

   • Change/correct any data we have about you.

   • Have us delete any data we have about you.

   • Express any concern you have about our use of your data.

 

Security

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.

 

Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for "https" at the beginning of the address of the web page.

 

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

 

Updates

Our Privacy Policy may change from time to time and all updates will be posted on this page.

 

If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 518-251-2424 or via email at info@tcmurphylumber.com.