Financing & Promotional Offer Disclosures

1. Promotional Offers

Advertised promotions (seasonal events, dollar-off discounts, or added-value offers) are limited-time, subject to change or withdrawal without notice, cannot be combined with other offers unless stated, and apply only to new qualifying purchases of an Interlock® Lifetime Roofing System. Minimum purchase requirements, geographic limits, and expiration dates appear in the specific offer. Discounts cannot be applied to prior purchases or contract amendments.

2. Financing Is Provided by Third Parties

Any financing, interest-free, same-as-cash, or deferred-payment option is offered by independent third-party finance partners, not by Interlock Industries (Midwest) Inc. or I.E.L. Manufacturing Ltd. Interlock does not lend money, make credit decisions, or set financing terms, and is not a party to your loan agreement.

3. Credit Approval & Terms

All financing is subject to credit approval by the lender. Advertised rates, promotional periods (such as no-interest windows), minimum monthly payments, and any deferred-interest terms are set by the lender and disclosed in the lender's agreement. Deferred-interest promotions may charge interest from the purchase date if the balance is not paid in full by the promotion's end — read the lender's terms carefully.

4. U.S. Truth-in-Lending / Advertising

U.S. consumer-credit advertising is governed by the Truth in Lending Act and Regulation Z (12 CFR § 1026.24 for installment loans; § 1026.16 for credit cards), which bind anyone advertising consumer credit, including a contractor advertising a lender's program. On this website:

• We state only terms the lender actually offers. Any rate is stated as an "annual percentage rate" or "APR"; "0% APR" refers to the promotional period shown beside it.
• An offer that mentions a monthly payment, number of payments, repayment period, down payment, or finance charge also states the down payment, full repayment terms including any balloon payment, and the APR.
• A "no interest if paid in full" offer states the deferred-interest period, the words "if paid in full," and that interest runs from the purchase date if the balance is not paid by then.
• An independent lender provides the financing; credit decisions, the loan agreement, and the Truth in Lending disclosures come from the lender. When we refer you to the lender, the loan contract carries the FTC Holder Notice (16 CFR § 433.2), which preserves your claims and defences against the seller.

Wisconsin: Interlock Industries (Midwest) Inc. is not a lender and does not extend credit; financing is arranged between you and an independent lender. Wisconsin prohibits any advertisement or statement about the extension of consumer credit that is false, misleading or deceptive or that omits material information, and treats compliance with the federal Truth in Lending Act as compliance with that rule (Wis. Stat. § 423.301). When we quote a rate, term or monthly payment we show the lender's Regulation Z terms or link to them. A merchant that makes or solicits consumer credit transactions in Wisconsin must file a registration statement with the Wisconsin Department of Financial Institutions within 30 days of commencing business (Wis. Stat. § 426.201). Before you sign a Wisconsin home-improvement contract we disclose every finance charge, interest or service charge and permit fee you will pay (Wis. Admin. Code ATCP 110.02(6)(h)) and tell you if the contract or note may be assigned or sold to a lender (ATCP 110.02(6)(i)). Every gift, free item or bonus we advertise states its conditions, its expiration date and when it will be given (ATCP 110.02(5)); no promotion is ever tied to an insurance deductible (Wis. Stat. § 100.65(2)).

5. Canada Cost-of-Borrowing Disclosure

In Canada, financing is subject to provincial cost-of-borrowing and consumer-credit disclosure requirements. The lender provides the required disclosure statement before you become obligated.

6. Pricing & Estimates

Prices, savings claims, and estimates are preliminary and non-binding until confirmed in a written agreement with your authorized installer, and depend on project size, scope, location, and site conditions. See our Terms of Service.

7. Contact

For questions about a specific offer:

• Email: policies@interlockgroup.com
• Phone: 1-866-733-5811

For questions about a loan, contact the finance provider named in your agreement.