RISA

Fioro International Retail Installment Sales Agreement (RISA)

1. Agreement Scope
This FI Retail Installment Sales Agreement (“Agreement”) governs all programs offered by Fioro International (“FI”), including, without limitation, deposit-based purchase plans, financing or structured installment arrangements, membership or subscription billing, leasing or usage programs, and any combination thereof. By placing an order, submitting a deposit, enrolling in a payment plan, activating a membership, or otherwise participating in any FI program, you (“Buyer”) acknowledge and agree to be fully bound by the terms of this Agreement.

2. Payment Structure
FI provides multiple payment pathways, and the Buyer’s selected option at checkout or via invoice determines the applicable billing schedule.
For deposit-based purchase plans, when a Buyer submits a deposit—such as a $3,000 deposit toward a $7,500 watch—the deposit becomes non-refundable once production begins. Production begins within twenty-four (24) hours of deposit submission. The remaining balance will be automatically charged to the payment method on file forty-five (45) days after the deposit date unless otherwise agreed to in writing. Final delivery of the watch will occur approximately sixty (60) days after deposit, contingent upon full payment of the outstanding balance.
For financing or structured installment plans, all scheduled payments will be automatically charged using the payment method provided at enrollment. Failed payments may result in suspension of the order, delay in production or delivery, or the temporary deactivation of membership benefits until payment is resolved. FI reserves the right to reattempt any failed payment and request an updated payment method when necessary.
For leasing, membership, or subscription programs, monthly charges are billed automatically and will continue until the Buyer cancels the program. Cancellation becomes effective only when all leased items have been returned in accordance with FI’s return requirements. If items are not returned, Section 7 of this Agreement will apply.

3. Ownership
For all deposit-based and purchase arrangements, ownership of the product transfers to the Buyer only after all payments have been completed in full and delivery has been made. For all lease, membership, and subscription programs, FI retains full ownership of all items at all times. Buyers are prohibited from conducting unauthorized repairs, modifications, alterations, or tampering with any FI products.

4. Production and Delivery
For programs involving custom or made-to-order products, production begins within twenty-four (24) hours of deposit submission or initial payment. Watches are typically delivered approximately sixty (60) days after deposit, provided all required payments have been completed. Any delays caused by failed, declined, or late payments are the sole responsibility of the Buyer and may extend delivery timelines.

5. Use, Care, and Buyer Responsibility
Buyers agree to use all FI products responsibly and solely for their intended purpose. Buyers further agree to maintain the items in good condition and to take reasonable measures to protect them from loss, theft, or damage. The Buyer is financially responsible for any damage, loss, or theft beyond normal wear and tear, and FI may assess charges for repair or replacement as necessary.

6. Returns and Cancellation
For lease, membership, and subscription programs, the Buyer must return all leased items within fourteen (14) days of cancellation. FI will cover return shipping only when the Buyer uses the prepaid shipping label provided by FI. Failure to return leased items, or failure to use the provided return method, may result in additional charges as outlined in Section 7.
For deposit-based or purchase programs, deposits become non-refundable once production has begun. Cancellation after production initiation does not release the Buyer from the obligation to complete payment unless FI provides written approval stating otherwise.

7. Non-Return, Default, and Collections
If a Buyer fails to pay required installments, fails to return leased items, or refuses or becomes unable to fulfill payment obligations under any program, FI may take any of the following actions: charge the full remaining retail value of the product(s); initiate collection processes; engage third-party collection agencies; and recover associated legal fees, administrative charges, and enforcement expenses from the Buyer.

8. Automatic Billing Authorization
By entering into any FI program, the Buyer expressly authorizes FI to perform automatic recurring charges, scheduled installment charges, and reattempts of failed payments using the payment method the Buyer has provided. This authorization remains valid and enforceable until all financial obligations to FI are fully satisfied.

9. Limitation of Liability
Fioro International is not liable for any indirect, incidental, consequential, or exemplary damages arising out of or relating to the Buyer’s participation in any FI program, the use or return of FI products, payment plans, production timelines, or delivery processes.

10. Governing Law
This Agreement shall be governed by, and construed in accordance with, the laws of the State of Ohio. Any dispute, claim, or controversy arising from or relating to this Agreement shall be brought exclusively in the courts located in Summit County, Ohio.

11. Intellectual Property
All FI brand materials, designs, product content, instructional materials, strategies, frameworks, and documentation—whether provided before or after enrollment—are and shall remain the exclusive intellectual property of Fioro International. Duplication, dissemination, or unauthorized use of such materials is strictly prohibited.

12. Agreement Confirmation
By placing an order, submitting a deposit, enrolling in financing, activating a membership, or participating in any FI program, the Buyer affirms that they have read, understood, and agreed to all terms contained in this Agreement, and that they authorize all applicable payments and automatic billing. This Agreement is legally binding upon completion of checkout or payment submission.

13. Amendments to This Agreement
Fioro International reserves the right, at its sole discretion, to update, modify, or amend this Agreement at any time. Any revisions will be posted on the Fioro International website, and the “Last Updated” date will reflect the effective version. Continued participation in any FI program, including payment plan enrollment, membership activation, or access to FI products or services, constitutes acceptance of the revised Agreement. It is the Buyer’s responsibility to review the Agreement periodically for updates.

14. Contact Information
Questions regarding this Agreement may be directed to Fioro International at:
support@Fiorointernational.com