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 Roofing of America 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.

Texas. Texas bars advertising "a false, misleading, or deceptive statement or representation relating to a rate, term, or condition of a credit transaction" or credit terms the advertiser does not intend to offer, and requires that "[i]f a rate or charge is stated in advertising, the rate or charge shall be stated fully and clearly" (Tex. Fin. Code § 341.403). We state no rates, payments or terms on this site. Any financing is arranged by the contractor who performs your work, or its lender partner, and is governed by the Retail Installment Sales chapter (Tex. Fin. Code ch. 345) when the contractor is the creditor. A Texas contractor that originates, services or collects retail installment contracts, or that provides financing through third-party lenders, must register with the Office of Consumer Credit Commissioner (Fin. Code § 345.351; https://occc.texas.gov/industry/registered-creditors/). Interlock Roofing of America is not a lender, broker or arranger of credit, takes no application and receives nothing tied to your financing. An executed instalment plan that requires full payment of your insurance deductible over time counts as proof of payment (Tex. Ins. Code § 707.004); a plan that waives the deductible is illegal (Tex. Bus. & Com. Code § 27.02).

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.