Legal

Financing Disclosures

What you need to know before applying to finance the Jeweler Momentum programme. Last updated 9 October 2026.

We are not a lender. GemTek International LLC, a Hawaii limited liability company (Hawaii entity number 291055, formed 25 January 2023), doing business as Jeweler Momentum, does not lend money, does not make credit decisions, and does not set rates or terms. Financing is offered through FlexxBuy and the independent lenders in its network.

The short version

  • All financing is subject to credit approval. Applying does not guarantee approval.
  • Not all applicants will qualify, and not everyone who qualifies will be offered the same terms.
  • Rates, terms and amounts vary by lender and by your creditworthiness. Your actual offer will be disclosed to you by the lender before you accept it.
  • The lender’s agreement governs your loan. Read it. It is separate from your agreement with us.
  • You repay the lender, not us, on the schedule in that agreement.
  • There is no fee to apply, and applying costs you nothing whether or not you are approved.
  • You are never required to finance. You can pay for the programme directly instead, and the price is the same either way.

What happens when you apply

If you choose to apply, your application goes to the financing partner and the lenders in its network. One or more of them may obtain a consumer report about you in order to decide. FlexxBuy will tell you, before you submit anything, what kind of credit inquiry its application involves and whether it affects your credit score. Read that disclosure on their application — we are not in a position to make any representation about it on their behalf.

If you are declined, the lender — not us — must tell you why, or tell you how to find out, under the Equal Credit Opportunity Act.

Equal credit opportunity

Federal law prohibits creditors from discriminating against applicants on the basis of race, colour, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), because all or part of the applicant’s income derives from a public assistance programme, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Advertising specific terms

Standing rule for this site and every ad we run: if we state a specific rate, monthly payment, term, or down payment anywhere, the Truth in Lending Act (Regulation Z) requires a set of additional disclosures to appear with it. Phrases such as “as low as $199 a month” or “0% APR” are triggering terms. Unless and until those disclosures are built and approved, we say only that financing is available, subject to approval, and say nothing about the numbers.

Refunds and your loan

Read this before you apply. Financing and refunds are separate things. Your loan is an agreement between you and the lender. If you later become dissatisfied with the programme, that does not pause, reduce or cancel what you owe the lender, and we cannot change the terms of your loan.

Our refund policy, in full, before you apply: You may cancel your purchase for a full refund within 48 hours, provided the system and materials have not yet been released to you. Access is released as soon as you ask for it, and in every case within 48 hours of purchase. Once it has been released the sale is final and no refund is available.

In practice that means this: if you finance and then change your mind after the materials have been released, you will still owe the lender the full amount. There is no refund at that point, and we have no ability to cancel or reduce your loan. Decide before you request access, not after.

If you are not certain you want the programme, do not finance it. Take the call, ask every question you have, and only apply once you are sure.

Your information

How we handle application information, and what the financing partner does with it, is described in our Privacy Policy. The financing partner and its lenders operate under their own privacy notices, which you should read before applying.

Questions

About the programme: GemTek International LLC, support@gemtek360.com, +1 (808) 419-7333.
About an application, a decision, or a loan: contact FlexxBuy or your lender directly, using the contact details on your application, your approval notice or your loan agreement. We cannot answer questions about a credit decision, and we are not told the reasons for one.