Who is GetFinancing™?

GetFinancing is a real time Purchase Finance Gateway that enables consumers who are in the process of making purchases either at their favorite participating merchants’ websites, or brick and mortar locations, to obtain instant financing under the best possible terms from numerous lending sources.

Why does GetFinancing ask for the last 4 digits of my Social Security Number and Date of Birth?

GetFinancing‘s patented state-of-the-art technology identifies, verifies, and refers applicants within seconds to the appropriate participating financing sources. In most cases, the only information the applicant will need to provide are his/her name, address, date of birth and the last four digits of his/her social security number. Based on the applicant’s credit profile and the amount of the purchase, some participating lenders may require additional information such as the applicant’s annual income, employment status and length of time at the current residence. Occasionally, they may require to be provided with information contained in the applicants’ state issued Driver’s License and ask for his/her checking account information.

Why do you ask questions such as if I rent or own a home, Annual Salary, Employment Status, Last 4 digits of SSN?

Obtaining this information enables the participating lenders to quickly make a credit decision based on their current underwriting policies, as well as determine the amount of credit that they are able to offer to you to complete your purchase.

Why was I prompted to provide my checking account information?

Sometimes, GetFinancing‘s lenders need more information about your financial situation to evaluate your application and to assure that you have a valid and in good standing bank account. GetFinancing may ask you for your checking account, which will help the lenders in determining your ability to repay your loan or lease. GetFinancing does not store your banking information.

Providing your checking account DOES NOT authorize GetFinancing to debit your account. It only allows its lenders to further eliminate the risk of fraud and determine your ability to pay.

Why was my identity not verified properly?

GetFinancing verifies the information provided against a multitude of extremely reputable third party data providers, as well as a state of the art anti-fraud technology platform designed to protect your identity and prevent identity theft and fraudulent transactions. For best results we recommend that you provide your full legal name, use the same billing and shipping address and avoid using a PO Box.

Does applying for GetFinancing affect my credit score?

You will not see an enquiry on your credit report from GetFinancing. Please be aware that in order to properly verify your identity and refer your application to the most appropriate participating lenders, GetFinancing does verify your credit information through a credit bureau. However, that credit verification is a soft dip, hence invisible by others than you and engineered not to affect your credit score. It is important to note however that some lenders on the GetFinancing platform will verify your credit independently from GetFinancing and that in order to qualify you for financing, that they will pull a hard verification on your credit which might negatively affect your credit score.

Do you store any personal information or my credit history?

Some of your information is indeed stored and is used only to verify your identity and credit profile at the time of your original and subsequent financing applications. For more details concerning the information stored by GetFinancing, please refer to our Privacy policy.

Why was my loan/credit offer rejected?

Although a high percentage of financing requests are approved through the GetFinancing Gateway, because of the diversity of requirements from the lenders and the broad spectrum of applicants’ profiles, not all applications can be guaranteed approval. We strive to approve as many applicants as possible and in order to do so GetFinancing is adding more lenders to its platform on a regular basis. While you might have been declined today, please try again later as a lender that could approve you might have been added to the list of participating lenders at a later date.

Can GetFinancing point out the part of my credit profile which caused the adverse decision from the lenders?

Due to Privacy Laws, GetFinancing is not able to access this information. You can however contact the Credit Bureaus listed on the FCRA letter (decline letter/email) you have received stating that an offer of credit was not available to you at this time either due to your current credit status or information that could not be verified. You can also contact the lender/bank directly.

Why is my loan still processing?

Your application for financing may be in a “Pending Mode” state with some lenders while their underwriters finalize your verification. Some lenders won’t finalize your financing until the merchants are ready to ship your item(s). The merchant will let you know when your purchase has been finalized and ready to ship.

How can I reapply?

In order to reapply, you will need to return to the merchant’s web site or physical store and try your transaction once again. Be sure to enter all information correctly and use your full legal name.

Who are the lenders?

In order to cover the full credit spectrum and to offer loans of varying amounts to most consumers, GetFinancing works with numerous and diverse lending sources. GetFinancing participating lenders range from large financial institutions, to private lenders and specialty finance companies. If you qualify, one or more of those lenders may offer you instant financing to enable you to pay for your purchase. Should you choose to accept the offered financing, you will have a repayment obligation to that particular bank or lender. You will be provided with the name(s) of the lender(s) for which you have been pre-qualified at the time the offer(s) is presented to you. You will then be required to agree to their Terms and Conditions as well as the Truth in Lending terms in order for the application to be processed.

What are the GetFinancing terms that I am required to agree to?

When seeking a loan or credit to complete your purchase through GetFinancing you must provide certain personal and uniquely identifiable information and then expressly “agree” to the Terms and Conditions provided at the time of your application. By agreeing to the GetFinancing Terms and Conditions, you are granting GetFinancing the right to seek credit on your behalf.You can review these terms and conditions

How do I find the Phone Number and Contact Information of the lender who provided me with financing?

You will find the lender’s customer service phone number either in the email confirmation that was sent to you by the lender at the time of approval, or on your monthly statement. Alternatively, you can call GetFinancing‘s Customer Service at 1-866-298-3757 and we will provide you with that information.

How is GetFinancing paying the merchant for my purchase?

If you were approved for financing, the lender will settle directly with the merchant and you will be able to take your purchase home immediately. If shopping online, you will receive the item(s) you purchased in accordance with the shipping arrangements you selected with the merchant at the time of your purchase. If you were approved by one of our peer to peer lenders, the funds will be credited directly to your bank account and you will need to make payment arrangements with the merchant directly.

How do I find out the status of my purchase?

Once you have completed your checkout and confirmed the financing with the participating lender, GetFinancing will authorize your purchase with the merchant for processing. Please contact the merchant for any updates on the status of your purchase.

I want to cancel/return the item that I purchased using GetFinancing. What should I do?

You have a (3) Three calendar day right of rescission to cancel your loan/lease agreement as long as you have not used the service provided and the equipment (device, accessories, box) in their original condition as well as any promotional offers are are not used and are returned to LifeTrack Wireless.  CLICK HERE to submit a cancellation request if you meet these requirements.   For the sake of clarity, if the service provided has any usage or any promotional offers are used, your right to cancel will be denied.

CLICK HERE to review the full return policy and process.

Can I use the GetFinancing multi-lenders programs if I am not a US citizen?

GetFinancing‘s multi-lenders credit programs only work for U.S. citizens, permanent residents, and temporary residents legally living in the USA with a valid working social security number.

Do I get any sort of service plan with my purchase?

Yes, you get a year of pre-paid service free with your purchase.  The plan you receive is different based on the insurance plan that you choose.  Our plans all include talk, text and data.

Is my data unlimited?

No, there are different plans which include different data allocations, but none of our current plans included unlimited data.

Is there International calling available?

Yes, all of our plans include free calling to Canada, Mexico and China!

What devices are available?

Our devices are always changing in order to make sure we bring you the best deals.  Our inventory of devices is always located on our site at: https://lifetrackwireless.com/shop/

What is included with each plan?

How does my Insurance work?

For details on your insurance plan, please visit the link below to visit our insurance partner’s website.

https://yourfortress.com/support-type/insure/

What does "Extended Warranty" mean?

This means if your device breaks down/stops working and you realise that you are outside the manufacturer’s guarantee period there is nothing to worry about as you are protected by Fortress.

We will, once your claim is approved, replace it with a new or refurbished smartphone or tablet of equal or similar value. We will aim to provide you with an exact replacement of your smartphone or tablet; however, we do not guarantee an exact replacement

Please note EXTENDED WARRANTY is only available in the Ultimate protection level.

What does "Liquid Damage" mean?

With LIQUID DAMAGE cover in the event that your device is damaged by liquid (e.g. water!).

In the event of LIQUID DAMAGE, we will, once your claim is approved, replace it with a new or refurbished smartphone or tablet of equal or similar value.  We will aim to provide you with an exact replacement of your smartphone or tablet; however, we do not guarantee an exact replacement

Please note LIQUID DAMAGE is only available in the Ultimate protection level.

What does accidental damage mean?

In the event of ACCIDENTAL DAMAGE, we will, once your claim is approved, replace it with a new or refurbished smartphone or tablet of equal or similar value.   We will aim to provide you with an exact replacement of your smartphone or tablet; however, we do not guarantee an exact replacement

Please note ACCIDENTAL DAMAGE cover is only available in the Ultimate protection level.

What does "Mysterious Disappearance" mean?

Mysterious Disappearance means:

“The  disappearance  of  your  smartphone  or  tablet  without  knowing  where  or  when  or  how  it

occurred.”

In the event of a MYSTERIOUS DISAPPEARANCE, we will, once your claim is approved, replace it with a new or refurbished smartphone or tablet of equal or similar value.  We will aim to provide you with an exact replacement of your smartphone or tablet; however, we do not guarantee an exact replacement

What does robbery mean?

Robbery means:

“The taking of your smartphone or tablet by using violence, threats or intimidation.”

In the event of a ROBBERY, we will, once your claim is approved, replace it with a new or refurbished smartphone or tablet of equal or similar value.  We will aim to provide you with an exact replacement of your smartphone or tablet; however, we do not guarantee an exact replacement

What does burglary mean?

Burglary means:

“The forcible entry or exit of the premises, which are not open, and illegally taking away your

smartphone or tablet from you. Visible signs of forced entry must be present.”

In the event of a BURGLARY, we will, once your claim is approved, replace it with a new or refurbished smartphone or tablet of equal or similar value.  We will aim to provide you with an exact replacement of your smartphone or tablet; however, we do not guarantee an exact replacement.

What does theft mean?

Theft means:

“The unlawful taking or removing of your smartphone or tablet without your consent and with the intent to deprive you.”

In the event of a THEFT, we will, once your claim is approved, replace it with a new or refurbished smartphone or tablet of equal or similar value. We will aim to provide you with an exact replacement of your smartphone or tablet; however, we do not guarantee an exact replacement.

Are cracked screens covered?

Ultimate Protection provides you comprehensive insurance protection consisting of:

  •  Loss.
  • Theft.
  • Mysterious Disappearance.
  • Cracked Screens.
  • Accidental Damage.
  • Liquid Damage.
  • Virus Damage.
  • Extended Warranty.
  • Malfunctions.

What does "WorldWide Cover" mean?

This means if you’re travelling outside of the United States of America with your device you are still protected. Please note WORLDWIDE cover is only available with Premium or Ultimate Coverage.

What does USA cover only mean?

This is only applicable for members of the Basic Coverage.

“USA COVER ONLY” means your device is only insured whilst you are in the United States of America. Therefore, if your device is stolen whilst you are outside of the USA (e.g. whilst on holiday), we will not be able to replace the device.

If you want your device to be “INSURED WORLDWIDE” you must be either a member of Premium or Ultimate Protection.

Is there a device value limit?

Yes. The insurance included with your plan will be cover device up to the value of $1,000.

Is there a device age limit?

Nope! We will protect, secure and insure any age of device.

Is there a deductible?

Yes. There is a deductible fee for all successful and approved claims which must be paid before your replacement device can be dispatched.

The Deductible varies depending on the value of your device. The applicable deductibles are as follows:

Device Value ($) Deductible ($)
0 – 150 25
151 – 300 50
301 – 500 100
501 – 700 150
701 – 1000 200

What is the difference in insurance coverage between Basic, Premium, and Ultimate?

All of our membership tiers are excellent value and have been designed to provide you great insurance cover for your device at an amazing price.

The amount of insurance cover increases from Basic to Ultimate.  Therefore, if you select Premium you will have more coverage than Basic a member.  Likewise, if you select Ultimate you will have even more protection features that a Premium member would have.

Below you will find an outline of what each tier provides you:

How do I claim?

You must do the following in the event you discover your smartphone or tablet has been lost, stolen, damaged or malfunctions:

1.   Immediately contact 1-800-800-1494.

2.   You must provide a detailed description of your smartphone or tablet including but not limited to make, model, serial number; and a detailed description of the events including how, when, and where the applicable circumstance occurred.

3.   Provide proof of ownership, including bill of sale, invoice, cancelled check or credit card receipt, if requested.

4.   Answer any questions relating to your claim, if requested.

5.   The Claims Team must approve your claim prior to a replacement smartphone or tablet being sent to you.

How do I use my card?

Your reward card is a prepaid debit card that lets you shop at millions of locations – anywhere Debit Visa is accepted. It looks like any debit card, but because it is a prepaid card, your spending is limited to the amount of money placed on the card by the purchaser.

Although this is a debit card, when you make a purchase you should ask the cashier to run it as a Credit transaction.

Each time you use your card, the purchase amount is automatically deducted from your card balance. Before you go shopping, you’ll need to know how much money you have available. Most merchants cannot tell you how much money you have remaining on the card.

Knowing your balance before you shop will help assure that your card is accepted. You can check your balance anytime by clicking on the Check Balance link on this website.

Does my card expire?

YES. All prepaid debit cards expire. Your card expires on the date printed on the front of your card. Once that expiration date is reached, your card will no longer be usable and the funds will not be accessible. We strongly recommend that you use your card well ahead of the expiration date as it is accepted anywhere Debit Visa is accepted.

Is this a gift card?

NO. This is considered a prepaid Rewards Card. It functions the same as a Visa Gift Card would, but the federal regulations are different. A Gift Card is card purchased by a consumer at a store or online and must have an expiration period of at least 7 years from issuance. A Reward Card is a card purchased by a corporation to be given out as a reward, incentive, rebate, award, or loyalty program and can have any expiration period provided it is printed on the front of the card.

Although a gift card sounds more appealing, please note that they can assess service fees for inactivity. Despite the expiration date on your card being shorter, you will not be assessed inactivity or hidden fees.

Can I use my card at an ATM?

NO. Your card was not set up with ATM access nor can that be changed. You can also not take this into a bank teller and get cash off of the card.

Are there any service fees?

Not for purchases within the United States or general support. If you wish to use your card outside of the U.S. there is charge of $2.00 + 3% of the purchase price. Also, if you choose to check your cards balance by talking with a live agent, a $1.00 fee will be assessed against your card balance. However you can check your balance for free on this website or by calling the toll-free number on the back of your card and following the prompts to check your balance.

How do I activate my card?

Your card may already be activated. In order to check, go to the ‘Activate Card’ link in the menu and enter in your 16-digit card number and 3-digit security code on the back and click the Go button. If it says your card is activated, you are all set. If it says an activation code is required, your activation code is the last four digits of your employee ID number.

Why is my card not working?

The most common answer to this is the purchase amount you were attempting may have been greater than the available balance on your card. The transaction systems for many retailers & merchants are not set up to check your cards balance before authorizing the transaction. So what happens is they are trying to authorize the card for more than the value on it and its being declined. To verify if this is the case, please check your card balance and make sure it is equal to or more than your purchase amount.

Another issue may be that the cashier is attempting to process your order as a Debit transaction rather than a Credit. Although your card is a Prepaid Debit card, all transactions are to be run as a Credit since there is no PIN number associated with the card. Make sure you ask the cashier to run it as a credit transaction.

If neither of these responses resolved your problem, please refer to the other questions in this section before calling the support line.

I was not able to use my card at the gas station?

When using your card at a gas station, you should always pay inside with the attendant and tell them how much you have on your card and how much you wish to purchase. Using the card at the gas pump may result in a decline because most gas stations automatically authorize the card for $75.00 or more because they don’t know how much gas you will be purchasing yet. So if you card does not have at least $75 remaining, it will most likely be declined.

My card was declined at a restaurant?

Most restaurants’ transaction systems will automatically pre-authorize the card for 20% more than what your bill is. This is to accommodate a potential tip. Therefore if the amount you have on your card is very close to the amount of the bill, it may result in a decline.

To avoid this, first know your balance on the card and ask your waiter or waitress if they can manually run the transaction for no more than the cards balance and you will pay the tip separately. If the waiter or waitress doesn’t know how to do this, typically the manager will.

Why was I not able to use my card for an online purchase?

Most online shopping carts have a security measure in place to verify the ‘billing address’ and name associated with the credit or debit card. When your card was purchased, your address and/or name may not have been assigned to the card. To change this, go to the Register Card link in the menu and follow the instructions to input your home address. Then when using the card online, make sure to use the address you registered the card under as the Billing Address in the shopping cart.

Why is my balance lower than it should be?

If you were making a purchase and the transaction was either canceled out by the merchant or declined, the merchant transaction system most likely put a hold on those funds. This is common with some transactional systems where the merchant is authorizing the amount of the transaction, but not taking the funds until a later time. For instance, if you buy a product online you may see that your credit card is not charged until the product ships.

When this occurs, if your purchase using your card was not finalized, the merchant will issue those funds back onto the card but this can take 7-10 business days. Please check your balance after 7-10 business days of the transaction in question and if they are still not showing up call the toll-free number on the back of your card to speak with an agent.