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Guaranteed Unsecured Loan ? Guarantee your Happiness!

Are you bogged down by poor credits or iva? You must be pondering over the thought of how to obtain loans for all your immediate needs! Does availing loans without pledging collateral sound irresistible? Yes, now you can avail guaranteed unsecured personal loans without pledging any collateral. What’s more? There is no credit checks involved in it.

Even if you have a bad credit score, you can still avail a guaranteed unsecured loan. We offer the best guaranteed unsecured loans with the following benefits;

• Loans available at competitive rates

• Loans available for bad credit scorers

• Avail loans without furnishing any proof of income

• Loans available without credit check

You can use this loan for any purpose like revamping the house, consolidate loans, buy a new car, set up a new business, etc. Guaranteed unsecured loans, as the name suggests are guaranteed without any security. It is a boon for bad credit scorers as it gives them an opportunity to rebuild their credit.

Bad Credit Unsecured Loan – Knock off Bad Credit Now!

What option does a borrower with a bad credit have if he wants to avail loan? As compared to a good credit holder, quite less though! Don’t worry if you feel there is no way out of this situation! Anyone can incur bad credit due to missed payments. Our bad credit unsecured loans are those borrowers who are suffering from bad credit.

Bad credit unsecured loans do not call for any collateral as security. Therefore, they are very popular with students, tenants non home owners, etc. These loans can be used for any purpose and the repayment term for these loans depends upon the loan amount you have borrowed. You also have the advantage of applying for a bad credit unsecured loan online. An online bad credit unsecured loan is processed faster and is easy to obtain.

If you are looking forward to clear your debts without pledging any property as collateral, then you should definitely opt for unsecured debt consolidation. Even in the absence of any property, you can avail theses loans. Borrowers, who have a property but are unwilling to risk it, also apply for this loan. You can easily evade a financial disaster by opting for this type of loan.

A borrower can pay off all debts instantly at a reduced monthly installment. There is also an additional benefit of reduced rate of interest, on the loan amount. You can choose to repay the loan for a longer duration depending upon your financial capability. Owing to these benefits, unsecured debt consolidation is very popular!

For more information on Unsecured Debt Consolidation log on to Bad Unsecured Debt Consolidation

.Sadhana Dhanyal Content Developer for finance sites

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Understanding Money Back Guarantee Diamonds Policies

Many jewelers are now offering policies of money back guarantees when you buy a loose diamond or a piece of jewelry containing diamonds. This is to show the customers that the diamonds they sell are authentic and are worth the money they pay.
You do have to understand the policies for money back guarantee diamonds though and know that the return policy is not the same for all jewelers. You should always ask about this guarantee when you purchase a diamond. You should also ask about the Kimberley certificate for the diamond to ensure that it is a non-conflict diamond.
A non conflict diamond is one that comes from a country where the sale of diamonds goes towards supporting the economy of the country as a whole. This name has been given to diamonds from some countries because there are parts of the world where the mining of diamonds is a business used to support wars and terrorist acts.
The UN has a published list of country names from which diamonds can legally be imported. They must be accompanied by a Kimberley certificate attesting to the fact that they are not blood diamonds or conflict diamonds.
Legitimate jewelers will gladly show you this certificate when you want to buy a diamond or at least refer to their supplier to find out if the supplier has such a certificate. Once you ascertain the legitimacy of the diamond, you should ask about the policy for a money back guarantee. Diamonds sold under such policies can be returned for a full refund within a time frame set by the retailer. This can be for any reason.
If you do purchase a diamond and then find the same one at a lower price from another jeweler, you can also take advantage of the money back guarantee diamonds policy. Usually the time frame for this is 90 days and basically means that if you find the same diamond at a lower price and the jeweler can verify it is the same stone, you will receive a refund of the difference between the prices.
When you purchase a diamond, you will receive a certificate of authenticity, which may or may not include an appraisal of the diamond. This certificate only attests to the fact that the diamond is real and is not a cubic zirconium diamond, which is man-made. You can have the diamond appraised yourself at one of three internationally recognized gemological institutes.
If the diamond is loose, you can choose GIA or EGL, but ICI appraisals does analyze the stone when it is set in a piece of jewelry. If you find that the stone has not been appraised for the amount you pay, then you can return it to the jeweler taking advantage of the policy for money back guarantee diamonds.
An appraisal of a diamond is an important part of being able to insure the loose diamond or the jewelry. Insurance providers require this certificate so that they have proof of the estimated retail value of the stone should it be lost or stolen. IGI appraisals will give you details about the diamond related to the four C’s – cut, clarity, color and carat.
The carat is the weight of the diamond and while this does translate into a higher price, the other factors affect how much you pay for it as well. The highest priced diamond is one that is pure white with no imperfections, which can be natural flaws or flaws caused in the cutting process.
Buying a diamond is an expensive proposition and you must make sure that you get the best value for your money. Jewelers selling money back guarantee diamonds also have other aspects of the policy that are of interest, such as being able to upgrade to a more expensive diamond by only paying the difference between the one you previously purchased and the one you now want and free cleanings for life.

Allison Ryan is a freelance marketing writer from San Diego, CA. She specializes in money back guarantee diamonds, IGI appraisals, and how to find the best non conflict diamond jewelry. To design your own non conflict diamond jewelry, check out http://www.diamondwave.com/.

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The Need For Mortgage Guarantee Insurance

Mortgage guarantee insurance or MGI is a precaution worth taking, as it can come in handy when you are unable to pay your mortgage repayments due to ill health or an accident. It saves you the stress of having to pay mortgages when you have mounting expenses associated with treatment or when you have no income for a certain period of time.

People often think that it need not apply to them, that they are safe, but one cannot guarantee that they will always be safe from ill health or other serious circumstances. The correct policy at the best possible price is a safety net incase things go wrong and mortgage lenders accept lesser down payments than usual.

How It Helps Homeowners
Mortgage guarantee insurance agencies usually check the qualifications of the borrower and the value of the collateral provided by the purchased property. When the homeowner defaults on paying the mortgage and the proceeds from the sale of the property are not enough to cover the remaining debt plus the costs, the mortgage guarantee insurance company pays the lender the amount that is short and the costs. The MGI agencies usually offer coverage for a predetermined amount of time, which can be sufficient for the homeowner to recover and get back to work.

Mortgage guarantee insurance usually offers protection to lenders from defaults by homeowners who have less than 20% equity interest in the mortgaged property. This has made it possible for people to own homes with very little initial investments.

People used to prefer government insurance agencies, but today almost three quarters of the market is dominated by the private sector. The study has shown however that there is not much difference in the premium offered by the various companies, so customers are not given much of a choice. Mortgage guarantee insurance has enabled more people to become homeowners and minimized the risk that mortgage lenders used to take.

Homeowners rest easy that mortgage payments need not be a worry in case something terrible happens and lenders, due to the security of insurance, are willing to lend money more readily.

Mortgage guarantee insurance is offered through programs administered by the Federal Housing Administration and the Department of Veterans Affairs as well as many private agencies. Shop around until you get the best deal at the lowest price possible, Use the Internet to get quotes from different agencies and make your choice so that you get the best deal possible. It will not cost much for a person with a regular well paying job to go for the security offered by Mortgage guarantee insurance.
There are firms that offer their services and products to new entrepreneurs making it easier to run and manage the business.

David Gass is President of Business Credit Services, Inc. His company publishes a free weekly e-newsletter on Small Business Consulting at their web site http://www.smallbusinessconsulting.com.

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Rent Guarantee Insurance to Claim Back Your Rent!

Have you rented out your house? Are you not living in that house any more, is your property being let out? Don’t you think you need to insure your property or house that is rented out in order to allay any damages caused to your building and to recover the cost of damage? Whether your house has been inherited from your ancestors or you have shifted to another location, you need to ensure that your renters pay you money on time.

Rent damage can be caused by several reasons:

Your rent can be assured in the following circumstances

When there’s a damage caused to your property due to natural calamity

When the building has caught up in fire

Or your tenant doesn’t pay his rent

Make sure that your tenants will repay the rent on time. Some insurance agents offer you guarantee on your rent such as £2,500 per month, instant cover, it covers you under 12 month policy, and offers 24 hour assistance. It is essential to insure your property or home in order to claim them in times of crisis. Safeguard your rent for sure! Guaranteed rents will work with your existing letting agent if that is your preference. Or it will arrange an alternative. The cost of using a letting agent is normally around 10% of the gross rent. This is covered by guaranteed rents within the rent contract. Rent Guarantee provides guaranteed protection against tenant default, such that your lease agreements have an assured income. If you have a property which you are looking out to rent then Rent Guarantee provides guaranteed protection against tenant default, such that your lease agreements have an assured income.

A buy to let property is considered as a commercial property and there’s a separate insurance policy to claim for the rent on commercial property. Your property records must be kept up to date, have a proper agreement with your tenant and other records for tax authorities too. You may loose several pounds in rental income and legal expenses to claim for your rent. Some insurers won’t cover properties if tenants are claiming benefit, whether you are using private sector leasing or not. In case, a private sector leasing is covered, then, you can request for a higher premium.

Seek out for a right rent guarantee insurance agency online which can help you out in making your claims, which you deserve.

Kirthy Shetty, Platinum author. Insurance for Landlords’ assistance: Rental Guarantee Quote & Insurance


Tenant reference assistance or free advice: Tenant Referencing Company

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Signing a loan document as a guarantor

Must I guarantee my friend’s loan?

Question: A friend asked me if I can sign on her loan document as guarantor. She’ll use the money to buy a small home in their province. What happens when a person signs as guarantor to a loan?

Answer: Banks and financial institutions grant loans to individuals who have passed stringent credit checks. These people are known to be of good character, have a good credit history, are not considered credit risks, and have proven themselves to have the capacity to pay, having a steady income from a job, business or profession.

Collateral is also often required in loans. This may be a real estate property, automobile, or securities owned by a person that may be required by the bank or financial institution as assurance that it will be paid. If a person defaults or cannot pay off the loan, the collateral is becomes the bank or financial institution’s property.

If your friend is deemed credit worthy by the bank or financial institution she is approaching for a loan, and if she has ample collateral, she will be granted a loan in no time. There would be no need for a guarantor. However, if the bank or financial institution feels that additional assurance is needed that the creditor (person applying for the loan) can pay, it may require a guarantor to sign the loan document.

What is a guarantor?

As the name implies, a guarantor guarantees to or assures the bank or financial institution that a person’s loan will be paid. He in effect tells the bank or financial institution that he will pay the loan if for some reason the creditor will not be able to pay it in full plus interest. A guarantor can guarantee any type of loan, from a housing loan to even credit card debt.

Be very careful about signing as guarantor in any type of loan. Some people do not realize how serious a matter it is until they find themselves in unfavorable circumstances.

There have been cases of debtors defaulting on their loans and disappearing, even going as far as fleeing to other countries so banks and financial institutions cannot go after them. Guarantors are then looked up and held accountable for the payments already due. It can be quite a shock to be asked, even compelled, to pay for a loan you did not apply for, as some of these guarantors have experienced. And should you be unable to pay off the loan, you may be faced with a court case and your credit history will be severely affected.

Your situation is delicate, considering that it’s your close friend who is asking you the favor of co-signing as guarantor for a loan. But do not decide on the basis of friendship and emotions alone. Ask yourself if you are willing and are able to assume paying your friend’s loan in the event she defaults on paying it.

Should you decide to go ahead and sign on as guarantor, start saving more than you normally do and invest this wisely, just in case the inevitable happens in the future. Make sure you maintain ties with your friend for the duration of the paying period.

If you decide to decline your friend’s request, this does not mean the end of a friendship. There are some other things she can do, such as lowering the loan amount, securing other collateral, and maybe even asking family members to share ownership of the property she plans to buy. Or she may even consider postponing purchasing the property at this time and just continue saving on her own until she has built up enough funds. Your friend may also want to look at a more affordable property. Yet another thing she can do is to check out government financial institutions such Pag-Ibig Fund, SSS or GSIS to see if she will be able to qualify for a higher loan amount at a lower interest cost.

It is important for anyone applying for a loan to determine if he or she will be able to afford the regular payments for the number of years specified. If your friend is not confident she can do this, by all means, she should forego applying for the loan at this time.

http://blogs.inquirer.net/moneysmarts

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Definition of GUARANTEE

1. a promise or assurance, esp. one in writing, that something is of specified quality, content, benefit, etc., or that it will perform satisfactorily for a given length of time: a money-back guarantee. 
2. guaranty (defs. 1, 2). 
3. something that assures a particular outcome or condition: Wealth is no guarantee of happiness. 
4. a person who gives a guarantee or guaranty; guarantor. 
5. a person to whom a guarantee is made. 
–verb (used with object) 6. to secure, as by giving or taking security. 
7. to make oneself answerable for (something) on behalf of someone else who is primarily responsible: to guarantee the fulfillment of a contract. 
8. to undertake to ensure for another, as rights or possessions. 
9. to serve as a warrant or guaranty for. 
10. to engage to protect or indemnify: to guarantee a person against loss. 
11. to engage (to do something). 
12. to promise (usually fol. by a clause as object): I guarantee that I’ll be there. 
[Origin: 1670–80; alter. of guaranty]
Dictionary.com Unabridged (v 1.1)
Based on the Random House Unabridged Dictionary, © Random House, Inc. 2006.

 

Something that assures a particular outcome or condition: Lack of interest is a guarantee of failure.  

A promise or an assurance, especially one given in writing, that attests to the quality or durability of a product or service.
A pledge that something will be performed in a specified manner.
A guaranty by which one person assumes responsibility for paying another’s debts or fulfilling another’s responsibilities.
A guaranty for the execution, completion, or existence of something.

A guaranty by which one person assumes responsibility for paying another’s debts or fulfilling another’s responsibilities.
A guaranty for the execution, completion, or existence of something.
A guarantor.

tr.v.   guar·an·teed, guar·an·tee·ing, guar·an·tees

To assume responsibility for the debt, default, or miscarriage of.
To assume responsibility for the quality or performance of: guarantee a product.
To undertake to do, accomplish, or ensure (something) for another: guaranteed to free the captives; guarantees freedom of speech.
To make certain: The rain guarantees a good crop this year.
To furnish security for.
To express or declare with conviction: I guarantee that you’ll like this book.
[Alteration of Middle English garant, warranty, from Old French; see guaranty.]
The American Heritage® Dictionary of the English Language, Fourth Edition. Published by Houghton Mifflin Company.

 

guarantee  (n.)  

1679, perhaps via Sp. garante, from O.Fr. guarantie, pp. of fem. guarantir “to protect,” from guarant “warrant,” from Frank. *warjand-s, from P.Gmc. *war-, from PIE base *wer- “to cover” (see warrant). For form evolution, see gu-. Originally “person giving something as security,” sense of the “pledge” itself (which is properly a guarranty) first recorded 1786. The verb is attested from 1791.

Online Etymology Dictionary, © 2001 Douglas Harper

 

guarantee  

noun
1.  a written assurance that some product or service will be provided or will meet certain specifications 
2.  an unconditional commitment that something will happen or that something is true; “there is no guarantee that they are not lying” 
3.  a collateral agreement to answer for the debt of another in case that person defaults 

verb
1.  give surety or assume responsibility; “I vouch for the quality of my products” 
2.  make certain of; “This nest egg will ensure a nice retirement for us”; “Preparation will guarantee success!” 
3.  promise to do or accomplish; “guarantee to free the prisoners” [syn: undertake] 
4.  stand behind and guarantee the quality, accuracy, or condition of; “The dealer warrants all the cars he sells”; “I warrant this information” 

WordNet® 3.0, © 2006 by Princeton University.

guarantee1 [garənˈtiː] noun 

a statement by the maker that something will work for a certain period of time
Example: This guarantee is valid for one year. 
Arabic: ضمانَه، كفالَه
Chinese (Simplified): 保证书
Chinese (Traditional): 保證書
Czech: záruka
Danish: garanti
Estonian: garantii
Finnish: takuu
French: garantie
German: die Garantie
Greek: εγγύηση
Hungarian: garancia
Icelandic: ábyrgð, ábyrgðarsamningur
Indonesian: jaminan
Italian: garanzia
Japanese: 保証書
Korean: 보증서
Latvian: garantija
Lithuanian: garantija
Norwegian: garanti
Polish: gwarancja
Portuguese (Brazil): garantia
Portuguese (Portugal): garantia
Romanian: garanţie
Russian: гарантия
Slovak: záruka
Slovenian: jamstvo
Spanish: garantía
Swedish: garanti
Turkish: garanti

guarantee2 [garənˈtiː] noun

a thing that makes something likely or certain
Example: It is no guarantee against failure. 
Arabic: ضَمان
Chinese (Simplified): 保证
Chinese (Traditional): 保證
Czech: záruka
Danish: garanti; sikkerhed
Estonian: tagatis
Finnish: tae
French: garantie
German: die Garantie
Greek: εγγύηση
Hungarian: biztosíték
Icelandic: trygging
Indonesian: jaminan
Italian: garanzia
Japanese: 保証
Korean: 보증이 되는 것
Latvian: garantija
Lithuanian: garantija
Norwegian: garanti, sikkerhet
Polish: gwarancja
Portuguese (Brazil): garantia
Portuguese (Portugal): garantia
Romanian: garanţie
Russian: гарантия
Slovak: záruka
Slovenian: jamstvo
Spanish: garantía
Swedish: garanti
Turkish: garanti

guarantee1 [garənˈtiː] verb

to act as, or give, a guarantee
Example: This watch is guaranteed for six months. 
Arabic: يَكْفَل
Chinese (Simplified): 保证
Chinese (Traditional): 保證
Czech: dát záruku, mít záruku
Danish: garantere; være dækket af garanti
Estonian: garantiid andma
Finnish: antaa takuu
French: garantir
German: Garantie leisten für
Greek: εγγυώμαι
Hungarian: szavatol
Icelandic: vera í ábyrgð
Indonesian: memberi jaminan
Italian: garantire
Japanese: 保証する
Korean: 보증하다
Latvian: dot garantiju
Lithuanian: duoti garantijÄ…
Norwegian: garantere, gi garanti for
Polish: mieć, *dawać gwarancję
Portuguese (Brazil): garantir
Portuguese (Portugal): garantir
Romanian: a garanta
Russian: гарантировать
Slovak: mať záruku
Slovenian: jamčiti
Spanish: garantizar
Swedish: ha garanti
Turkish: garanti vermek, *etmek

guarantee2 [garənˈtiː] verb

to state that something is true, definite etc
Example: I can’t guarantee that what he told me is correct. 
Arabic: يَضْمَن
Chinese (Simplified): 担保
Chinese (Traditional): 擔保
Czech: (za)ručit
Danish: garantere; love; forsikre
Estonian: tagama
Finnish: taata
French: garantir
German: garantieren
Greek: εγγυώμαι
Hungarian: biztosít
Icelandic: ábyrgjast, tryggja
Indonesian: menjamin
Italian: garantire
Japanese: 請け合う
Korean: 확인하다
Latvian: garantēt; galvot
Lithuanian: garantuoti, laiduoti
Norwegian: garantere, borge (for)
Polish: (za)gwarantować
Portuguese (Brazil): garantir
Portuguese (Portugal): garantir
Romanian: a garanta
Russian: ручаться
Slovak: (za)ruťiť
Slovenian: jamčiti
Spanish: garantizar
Swedish: garantera
Turkish: garanti etmek
Kernerman English Multilingual Dictionary (Beta Version), © 2000-2006 K Dictionaries Ltd.

Main Entry: gua·ran·tee
Pronunciation: "gar-&n-'tE, "gär-
Function: noun
Etymology: probably alteration of guaranty
1 : GUARANTOR
2 : GUARANTY 1
3 : an assurance that a condition will be fulfilled: as a : an agreement by which one person undertakes to secure another in the possession or enjoyment of something b : an assurance of the quality or of the length of use to be expected from a product offered for sale often with a promise of reimbursement
4 : GUARANTY 4, 5 guarantees> —guarantee transitive verb 

Merriam-Webster’s Dictionary of Law, © 1996 Merriam-Webster, Inc.

Guarantee  

Guar`an*tee”\, n.; pl. Guarantees. [For guaranty, prob. influenced by words like assignee, lessee, etc. See Guaranty, and cf. Warrantee.]

1. In law and common usage: A promise to answer for the payment of some debt, or the performance of some duty, in case of the failure of another person, who is, in the first instance, liable to such payment or performance; an engagement which secures or insures another against a contingency; a warranty; a security. Same as Guaranty.

His interest seemed to be a guarantee for his zeal. –Macaulay.

2. One who binds himself to see an undertaking of another performed; a guarantor. –South.

Note: Guarantor is the correct form in this sense.

3. (Law) The person to whom a guaranty is made; — the correlative of guarantor.

Syn: Guarantee, Warranty.

Usage: A guarantee is an engagement that a certain act will be done or not done in future. A warranty is an engagement as to the qualities or title of a thing at the time of the engagement. Webster’s Revised Unabridged Dictionary, © 1996, 1998 MICRA, Inc.

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Guarantee and Warranty Law in UK.

What is a guarantee?

Generally speaking, guarantees are offered by manufacturers of products. They are free of charge but legally binding under the Sale and Supply of Goods to Consumers Regulations 2002.

In UK law, a guarantee is considered to be “an agreement to provide some benefit for a set period of time in the event of the goods or services being defective”. For example, a vacuum-cleaner manufacturer will usually offer a guarantee with their products that, for a year or more, they will carry out free repairs for problems caused by a manufacturing defect.

It’s important to remember that manufacturers’ guarantees are in addition to your statutory responsibilities as a supplier under the Sale of Goods Act. A supplier cannot, for instance, refuse to deal with a customer’s complaint about a faulty product simply on the grounds that the product is outside its guarantee period.

In law, suppliers are still liable for any breach of contract – for example, if the goods are not fit for their purpose, or of satisfactory quality – for a period of up to six years (five years from the date the problem arises, in Scotland).

What is a warranty?

Warranties are similar to guarantees, in that they provide a legally-binding assurance that any problems caused by manufacturing defects during a set period will be remedied.

However, unlike guarantees, the customer normally pays for this extra protection. For example, electrical retailers often offer to sell a warranty on their products which covers accidental damage, the cost of repairs and replacement parts.

Warranties – also known as “extended warranties” – have a similar effect to insurance policies – indeed some are issued and underwritten by insurance companies. They are sold on the basis that they will provide the customer with “peace of mind” over the first few years of ownership. See the page in this guide on extended warranties for domestic electrical goods.

Remember that as a supplier, any warranty you offer is in addition to your statutory responsibilities under the Sale of Goods Act. A supplier cannot, for instance, refuse to deal with a customer’s complaint about a faulty product simply on the grounds that the warranty on the product has expired.

In law, a supplier is still liable for any breach of contract – for example, if the goods are not fit for their purpose, or of satisfactory quality – for a period of up to six years (five years from the date the problem arises, in Scotland).

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Is A Customer Satisfaction Guarantee Realistic In Business?

Customer satisfaction and loyalty to a product is very important in any company, be it a company that is consumer oriented or a company that sells to other businesses, but is a customer satisfaction guarantee really realistic in business?
What some companies do in order to attract the consumer’s loyalty is to attach a customer satisfaction guarantee behind any product they sell. What attracts consumers to these customer satisfaction guarantee offers is that they are straightforward, easy to understand and you know it to be true.
However – sometimes the more often a company advertises the customer satisfaction guarantee, the more often consumers are turned off by the company. Another important thing that companies have to take into consideration before presenting any guarantees in relation to their products or services is that they should have their attorneys review the guarantee because it might have legal repercussions.
Here are three examples of companies using customer satisfaction guarantees on their products:
1) L.L. Bean trademarked its “Guaranteed, You Have Our Word” motto and beneath it written in smaller lines read that their products guarantee their consumers 100% satisfaction. If, for whatever reason, the consumer did not find it to his satisfaction, he can return the product at anytime as they do not want their consumers to have anything from them that is not at par to their satisfaction. Consumers seem to like this motto a lot as it is straightforward, direct and easy to understand.
2) Lands’ End uses “Guaranteed. Period.” as its motto, and they also went so far as having the motto trademarked. Like L.L. Bean’s, it is also direct and straight to the point. They also that if the consumers do not find the product to their satisfaction, they can also have the item returned at any time so that they can have their money back. This also assures the consumers of money back if they are not fully satisfied. But they also added more text underneath – too much information – thus, confusing the consumers. Unlike the first motto, this company added confusion to an otherwise easy-to-understand motto.
3) Thirdly, Sears created their own motto of “Satisfaction Guaranteed or Your Money Back.” Okay, it sounds very interesting. It simplifies what the other two companies have said and seems to be much more direct. If you are not satisfied with an item, you can have your money back. But written below are more jumbled words that confuse the consumers more! They are asking for the original packaging, original packing slip and order confirmation email receipt before a refund or an exchange of the item. Then more and more words that I, as a consumer myself, think of as being a big mouthful, all lawyerly and all businesslike. Their lawyers and accountants might find these useful, but not your average consumer. What this shows to the consumers is that if a product is not to the satisfaction of the consumer, he is definitely going to have a hard time getting his money back or returning the item for an exchange! Now tell me if this can build loyalty with the consumers? It doesn’t, does it!?
Your average customer will always go for a direct and easy to understand customer satisfaction guarantee. The more words a company places below their guarantee, the more confused a consumer gets. Like any other products, you have to fit your guarantee to the product that you’re selling, but it doesn’t mean that you have to confuse your consumers with how they can get their money back or how they exchange the item if what they purchased wasn’t to their satisfaction. Keep it simple, guys – direct and uncomplicated please!

Steven Taylor is a Marketing Consultant to http://www.Retronix.com – one of the most innovative and effective suppliers to the electronics & semiconductor industries. Services include BGA Rework and De-Bug Services.