Is it safe to use my credit card?

Yes, shopping at freeminds.org is safe. Every credit card purchase you make is backed by the Freeminds.org Safe Shopping Guarantee.

We guarantee that every transaction you make at freeminds.org will be 100% safe. This means you pay nothing if unauthorized charges are made to your card as a result of shopping at freeminds.org. We use only a secured server and shopping cart system by Americart, which uses Verisign, so that all transactions are guaranteed secure. See guarantee details below.

"Don't be afraid to charge. "You're actually safer paying for an online order by credit card than you are by cash, check or money order. Credit card transactions are protected by the Fair Credit Billing Act, which gives you the right to dispute charges under certain circumstances and temporarily withhold payment while the creditor investigates them. In the case of unauthorized use of your card, you're generally liable only for the first $50 in charges. Furthermore, the federal Mail or Telephone Order Merchandise Rule covers Internet orders as well. So, unless stated, you must receive your merchandise within 30 days; if there are delays, the company must notify you. If the merchandise doesn't arrive or is defective, you can ask your credit card company to withhold payment from the merchant until the dispute is settled."

excerpt from WINDOWS Magazine, December 1998, p. 152 (www.winmag.com)

Still don't want to use your credit card on the internet?

No problem. There are two ways you can order from us without having to enter your complete credit card number on the Web:

1. Calling in your card number
   Phone Number: 310-545-7831.
2. Paying by check or postal money order
   You can select "pay by check" on the order form, and send us a personal check or money order in U.S. dollars for the amount of your order. PLEASE NOTE that currently we are only able to accept postal money orders denominated in U.S. dollars or checks denominated in U.S. dollars and drawn on a U.S. bank. Checks must have a valid nine-digit bank routing number (ABA code) micro-encoded on the bottom of the check. Paying by check does slow down your order somewhat, as we don't order your items until your check is received, and we don't ship the items to you until your funds clear. If you are in the United States, paying by personal check typically delays your order about seven to ten days.
   

Guarantee Details:

1. Under the Fair Credit Billing Act, your bank can not hold you liable for more than $50.00 of fraudulent charges. If your bank does hold you liable for any of this $50.00, freeminds.org will cover the entire liability for you, up to the full $50.00. Freeminds.org will only cover this liability if the unauthorized use of your credit card resulted through no fault of your own from purchases made at freeminds.org while using the secure server.
2. In the event of unauthorized use of your credit card, you must notify your credit card provider in accordance with its reporting rules and procedures.

We do not now sell or rent our list of customers to anyone. One person only (Randy Watters) handles all transactions, and he does not share any information with anyone.

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