You may return any product in new condition within 30 days of receipt of your order, you may return a defective product at any time. We'll refund the shipping cost if the return is a result of our error.

Products returned in new condition must include the original packaging and accessories. Items returned more than 30 days after delivery, in unsellable condition or with missing parts will be charged a restocking fee at our discretion.

Refunds are made in the same form of payment originally used for purchase within 7 business days of our receiving your return.

Please include with your return the following:

• the date of your purchase
• your name, address and telephone number
• your credit card information for credit purposes

Our standard shipping method is ground service via UPS. If you need your product overnight, please let us know and we can make arrangements with you. The shipping fees shown below apply to orders shipped via ground services, and only within the continental U.S. For orders to Alaska, Hawaii, Puerto Rico, and other destinations, and for express orders, there will be an additional shipping charge.

To calculate when you will receive an item, you need to consider the availability of the items you are ordering as well as the shipping option you select.

If you select standard shipping for U.S. shipments and your items are in stock, the shipping time will be 1 to 6 business days, depending on where the package is being shipped.

If everything is not in stock at the time you place your order, we will communicate with you directly to determine whether you would like us to hold your order until it is complete or you would like us to ship the items as they become available. Usually we'll hold the order until all of the items are available. Multiple shipments incur multiple shipping charges.

Prices and Payment

Prices are subject to change without notice. We will notify you via e-mail of any prices changes before we ship.

Illinois residents must pay 9% sales tax. No tax is charged to orders shipped outside of Illinois.

We accept MasterCard, Visa, and American Express credit cards as well as checks, money orders, or cashier's checks denominated in U.S. dollars and drawn on a U.S. bank -- and U.S. currency, of course.

Business Savvy guarantees that every transaction you make at Business Savvy is safe.

Our Secure Sockets Layer (SSL) software is the industry standard and among the best software available today for secure online commerce transactions. It encrypts all of your personal information, including credit card number, name, and address, so that it cannot be read as the information travels over the Internet.

Should something go wrong, you still pay nothing for unauthorized charges made to your card as a result of shopping at Business Savvy. Under the Fair Credit Billing Act, your bank cannot hold you liable for more than $50 of fraudulent charges. If your bank holds you liable for any of this $50, Business Savvy will cover the entire liability, up to the full $50. Business Savvy will cover this liability only if the unauthorized use of your credit card resulted through no fault of your own from purchases made at Business Savvy while using the secure server. 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.

Still don't want to use your credit card on the Internet? No problem. Just fill out our order form online. Enter only your card's last five digits and its expiration date. Once you have fully submitted your order, you may call us with your credit card number or we will telephone you to obtain the rest of your card number.

• Visible Damage: Any external evidence of loss or damage must be noted on the bill of lading (freight bill) or express receipt and signed by the carrier's agent. Failure to adequately describe such external evidence of damage may result in the carrier refusing to honor a damage claim. The form to file such a claim is provided by the carrier. DO NOT RETURN DAMAGED MERCHANDISE TO BUSINESS SAVVY.

• Concealed Loss or Damage: Concealed loss or damage means that the contents may have been damaged in transit due to rough handling, even though the carton may not show external damage. If concealed damage is discovered, make a written request, within 15 days of the delivery date, for inspection by the carrier's agent and file a claim with the carrier (usually UPS).

Questions?

If you have any questions about or problems with any of our products, please contact us via e-mail: mailbox@businesssavvy.com or via telephone: 877/408-0400.