Terms of service

 

Terms of Service

Entity: Bearington Holdings, LLC DBA No Compromise Gaming ("NCG")
Effective Date: September 15th, 2025
Version: 1.9

Overview

Welcome to No Compromise Gaming ("NCG," "we," "us," or "our"). We operate nocompromisegaming.com to provide high‑performance gaming PCs and hardware through two programs: (1) lease‑to‑own (LTO) / rent‑to‑own (RTO) agreements (terms used interchangeably), which are fully underwritten, managed, and serviced in‑house by NCG, and (2) outright purchases (OP) where customers pay in full at checkout. These Terms of Service ("Terms") apply to both programs unless otherwise specified.

Important: LTO/RTO agreements are not financing or credit sales. They are consumer lease‑purchase agreements governed by state lease‑to‑own / rent‑to‑own statutes. Ownership transfers only after all lease payments are completed or an early purchase option is exercised. NCG is not a lender and does not extend credit under federal lending laws.

By using our Services, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services.

Section 1 – Access & Account

You must be the age of majority to use the Services. You agree to provide accurate information and safeguard your account credentials. You are responsible for all activity under your account and may not transfer or sell your account.

Section 2 – Our Products

We strive for accuracy, but displays and colors may vary by device. Product descriptions and availability may change without notice. We may limit quantities or discontinue products.

Section 2A – Purchase Options: LTO/RTO vs Outright Purchase

LTO/RTO: Scheduled payments made directly to NCG; NCG retains ownership until completion or early purchase option. OP: Pay in full at checkout; title transfers on delivery (see Section 5). Items may be available via one or both options.

LTO/RTO is a consumer lease under state law—not a loan or credit sale. Ownership does not transfer until all required payments are made or an early purchase option is exercised. NCG underwrites, services, and manages all leases directly; no third‑party lenders or servicers are used.

Right to Cancel After Minimum Term

You may have the right to cancel your LTO/RTO agreement after completing any required minimum lease term under your state’s rent‑to‑own statutes and as detailed in your individual lease agreement. Minimum terms vary by state. To determine eligibility to cancel, review your specific lease document or contact NCG.

If eligible to cancel, you must notify NCG and return the leased equipment in good working condition. NCG will provide a prepaid return label and pay return shipping. After NCG receives the equipment, your future payment obligation ends. Previously paid rental payments are not refundable (except under the 15‑day satisfaction guarantee in our Refund & Lease Policy).

Section 2C – Online Application & Approval

Applicants must complete our online application to qualify for LTO/RTO. NCG uses submitted information for internal underwriting and may order one or more consumer reports to assess eligibility and set approval terms.

Conditional Approval

All approvals are conditional and based on the accuracy and completeness of submitted information. NCG may revoke or modify approval if information is inaccurate, misleading, unverifiable, or if new information emerges post‑approval that changes eligibility (for example, a past‑due utility bill submitted as proof of residence).

Approval Expiration

Approvals expire automatically after a period defined by NCG’s risk policy. The expiration window may change at any time. Expired approvals must be re‑evaluated and may require updated information.

Non‑Transferability; Straw Leasing; Gifting

  • Personal to Applicant: Approvals and LTO/RTO accounts are personal and non‑transferable.
  • Straw Leasing Prohibited: NCG will cancel orders and revoke approval if we judge a customer is attempting to use their approval to lease for someone else, unless that other person is a minor child (under 18) living in the same household.
  • No Gifting via LTO/RTO: Products cannot be gifted via an LTO/RTO transaction. Outright purchases may be gifted subject to our policies.

Approval Requirement

An active, unexpired approval from NCG is required to place and fulfill any LTO/RTO order. Approvals are valid only for the applicant associated with the application.

Returning Customers

For returning customers, eligibility for new leases is determined solely by payment history and standing with NCG, not by a new consumer report, unless otherwise required by NCG.

Credit Policy Disclosure

NCG works with customers with no credit or bad credit. This means our underwriting model is designed to approve applicants with limited or poor credit backgrounds. It does not mean that we do not perform credit checks. NCG may obtain consumer reports as part of underwriting.

Section 3 – Orders: LTO/RTO & Outright Purchase

Submitting an order is an offer. NCG may accept or decline any order. We will contact you if we require additional information.

LTO/RTO Orders: An application for an NCG‑underwritten lease. Upon approval and first payment processing, we ship. Equipment remains NCG property until completion or early purchase. Cancellations may be limited after shipment or activation. Returns/early buyout governed by the Refund & Lease Policy.

OP Orders: A standard retail purchase. We must process your payment authorization before acceptance. Returns governed by the Refund & Lease Policy.

Gifting Policy: LTO/RTO transactions may not be used to gift or transfer equipment to another person (except as permitted for a minor child in the same household). OP purchases may be gifted subject to our policies.

Section 4 – Prices, Payments & Billing

Prices, discounts, and promotions may change without notice. Taxes and shipping are calculated at checkout.

LTO/RTO Payments: The site may display estimated payments by term. Actual payments depend on your approval terms. You authorize NCG to charge your payment method per your lease schedule. Late or missed payments may incur fees or collection activity per your lease. All billing/servicing is directly with NCG.

OP Payments: You authorize NCG or its standard processor to charge the full amount at checkout. You must be authorized to use the payment method.

Section 5 – Shipping, Title & Risk

We ship promptly after acceptance/approval. Timelines are estimates; NCG is not liable for carrier or external delays.

  • LTO/RTO: Risk of loss passes on delivery; title remains with NCG until completion or early purchase.
  • OP: Risk of loss passes on delivery; title transfers to you on delivery (unless otherwise required by law).

Section 6 – Intellectual Property

All site content is owned by NCG or licensors and protected by law. You receive a limited, personal, non‑commercial license. No reproduction or derivative works without consent.

Section 7 – Optional Tools

Access to third‑party tools may be provided “as is.” NCG is not responsible for third‑party tools; use at your discretion under their terms.

Section 8 – Third‑Party Links

Links to third‑party sites are for convenience. NCG does not control or endorse them and is not responsible for their content or policies.

Section 9 – Relationship with Shopify

Shopify hosts our store platform. All leases and purchases are directly between you and NCG. You release Shopify and its affiliates from claims related to your transactions with NCG.

Section 10 – Privacy Policy

Personal information is governed by our Privacy Policy. Shopify may process certain transactional data under its policy. NCG independently collects and manages all lease‑related information (credit evaluations, payment history, servicing records) directly—no third‑party lenders/servicers.

Section 11 – Feedback

By submitting reviews or ideas, you grant NCG a perpetual, worldwide, sublicensable, royalty‑free license to use them. You warrant you have rights to the content and that it complies with these Terms. We may remove unlawful or offensive content.

Section 12 – Errors, Inaccuracies & Omissions

We may correct errors or cancel orders if information is inaccurate, including after submission.

Section 13 – Prohibited Uses

You may not use the Services for unlawful, harmful, or infringing activities, impersonation, spamming, scraping, or to bypass security. We may suspend or terminate access for violations.

Section 14 – Termination

We may terminate or suspend access at any time. You remain liable for amounts due through termination. Sections intended to survive will continue, including IP, Feedback, Warranties, Liability, Indemnity, Severability, Waiver/Entire Agreement, Assignment, Governing Law, and Privacy.

Section 15 – Disclaimer of Warranties

The Services and products are provided “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness, title, durability, or non‑infringement. Your lease obligations are governed solely by your signed lease. Some jurisdictions limit disclaimers; our obligations are limited as required by law.

Section 16 – Limitation of Liability

To the maximum extent permitted by law, NCG and its personnel/affiliates will not be liable for indirect, incidental, consequential, punitive, or special damages (including lost profits, data, goodwill) arising from your lease or purchase, or use of the Services or products. NCG’s total liability shall not exceed the total amount you paid to NCG under your active lease or OP order(s) in the 12 months preceding the event, regardless of theory.

Section 17 – Indemnification

You agree to indemnify and hold harmless NCG and affiliates from claims, losses, and expenses (including reasonable attorneys’ fees) arising from your breach of these Terms or your lease, violation of law or third‑party rights, or misuse of equipment/Services. We may assume exclusive defense; you will cooperate and not settle without our consent.

Section 18 – Severability

If any provision is unlawful, void, or unenforceable, it will be enforced to the fullest extent permitted; the remainder remains in effect.

Section 19 – Waiver; Entire Agreement

Our failure to enforce any right is not a waiver. These Terms, the Privacy Policy, the Refund & Lease Policy, and any signed lease constitute the entire agreement and supersede prior understandings.

Section 20 – Assignment

You may not assign rights or obligations without our written consent. NCG may assign to an affiliate or successor (including leases/receivables) without notice, provided your rights are not materially affected.

Section 21 – Governing Law

These Terms are governed by the laws of the State of Tennessee. Exclusive jurisdiction and venue lie in the state or federal courts in Davidson County, Tennessee, and you consent to personal jurisdiction there.

Section 22 – Headings

Headings are for convenience only.

Section 23 – Changes to Terms

We may update these Terms by posting a revised version with the Effective Date above; material changes will be communicated as required by law. Continued use after changes constitutes acceptance.

Section 24 – Contact

Bearington Holdings, LLC DBA No Compromise Gaming
sales@nocompromisegaming.com · (888) 308‑0318
830 Fesslers Pkwy, STE 110, Nashville, TN 37210

© Bearington Holdings, LLC DBA No Compromise Gaming. LTO/RTO agreements are serviced exclusively by NCG and governed by applicable state rent‑to‑own / lease‑purchase laws. Conditional approvals, approval expiration, and anti‑straw‑leasing policies apply.