By placing an order on this web site, you indicate that you have read and agree to the following Terms & Conditions.

READ CAREFULLY. This Terms of Use Agreement ("Terms of Use") applies to use of the FINAO website located at FINAONation.com (the "Site"). The Site is the property of FINAO (together with its affiliated companies). Before you make any purchases, you must first establish a customer account ("My Account"). BY CREATING AN ACCOUNT YOU AGREE TO THESE TERMS OF USE. IF YOU DO NOT AGREE, DO NOT CREATE AN ACCOUNT AND DO NOT USE THE SITE.

FINAO reserves the right, at its sole discretion, to change, add or remove portions of this Terms of Use, at any time. It is your responsibility to check this Terms of Use each time before using the Site. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes. You agree that all subsequent purchases by you will be subject to the terms and conditions of this Terms of Use, which shall apply until we post a modified Terms of Use and then in accordance with such modified Terms of Use. As long as you comply with this Terms of Use and any such modifications, FINAO grants you ("End User") a personal, non-exclusive, non-transferable, non-sub licensable, limited privilege to enter and use the Site.

  1. Content, Copyright and Trademark Notice. All media (downloaded or samples), software, text, images, graphics, user interfaces, music, videos, photographs, trademarks, logos, artwork and other content on the Site (collectively, "Content"), including but not limited to the design, selection, arrangement, and coordination of such Content on the Site is owned or licensed by or to FINAO, and is protected by copyright, trade dress, and trademark laws, and various other intellectual property rights laws. Except as expressly provided in this Terms of Use, no part of the Site and no Content may be reproduced, recorded, retransmitted, sold, rented, broadcast, distributed, published, uploaded, posted, publicly displayed, altered to make new works, performed, digitized, compiled, translated or transmitted in any way to any other computer, website or other medium or for any commercial purpose, without FINAO's prior express written consent. Except as expressly provided herein, you are not granted any rights or license to patents, copyrights, trade secrets, trade dress, rights of publicity or trademarks with respect to any of the Content, and FINAO  reserves all rights not expressly granted hereunder. FINAO expressly disclaims all responsibility and liability for uses by you of any Content obtained on or in connection with the Site.

FINAO® and FlipWear® are registered trademarks, trademarks or service marks of JoMoWaG, LLC – Dba FINAO. All custom graphics, icons, logos and service names are registered trademarks, trademarks or service marks of JoMoWaG, LLC – Dba FINAO. All other trademarks or service marks are property of their respective owners. The use of any FINAO trademark or service mark without FINAO's express written consent is strictly prohibited.

By submitting a design to FINAO, or using logos stored on the site, you warrant and represent that you are the sole, legal owner or licensee of all rights, including copyright, to each copyright, trademark, service mark, trade name, logo, statement, portrait, graphic, artwork, photograph, picture or illustration of any person or any other intellectual property included in such design.

Further you warrant and represent that no part of the design: (a) violates or infringes upon any common law or statutory right of any person or entity, including, but not limited to, rights relating to copyrights, trademarks, contract rights, moral rights or rights of public performance; (b) is the subject of any notice of such infringement you have received; or (c) is subject to any restriction or right of any kind or nature whatsoever which would prevent FINAO  from legally reproducing the images or text submitted.

You agree to defend, at your sole expense, any claim, suit, or proceeding brought against FINAO which relates to, or is based upon, a claim that any portion of the design infringes or constitutes wrongful use of any copyright, trademark, or other right of any third party, provided that FINAO gives you written notice of any such claim and provides you such reasonable cooperation and assistance as you may require in the defense thereof. You shall pay any damages and costs assessed against FINAO pursuant to such a suit or proceeding. Further, you agree to indemnify and hold FINAO  harmless from and with respect to any such loss or damage (including, but not limited to, reasonable attorneys' fees and costs) associated with any such claim, suit or proceeding.

All items shown on this web site containing corporate logos or registered trademarks are shown only to illustrate FINAO's logo reproduction capabilities. Purchase of merchandise from FINAO in no way, shape or form grants you permission to reproduce logos, nor does it transfer, grant or lease ownership of any logos or trademarks to you.

  1. Registration; Customer Accounts; Use of Site. Certain services offered on or through the Site require you to first open an Account. You are responsible for maintaining the confidentiality of your Account information, including your password, and for all activity that occurs under your account. You agree to notify FINAO immediately of any unauthorized use of your account or password, or any other breach of security. You may be held liable for losses incurred by FINAO or any other user of the Site due to someone else using your password or customer account. You may not use anyone else's password or customer account at any time. You may not attempt to gain unauthorized access to the Site. Should you attempt to do so, assist others in making such attempts, or distributing instructions, software or tools for that purpose, then your customer Account will be terminated. You agree to provide us with accurate, current and complete information about yourself and your billing information as prompted by the registration process. You may update any of your Account information, designate a different credit card to be billed, or change the applicable expiration date on your currently designated credit card, by clicking on the My Account button and selecting the appropriate link. You may not use any automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy, probe, test or monitor any portion of the Site or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the Site or any Content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Site. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Site or any of the systems or networks comprising or connected to the Site.

You also agree that FINAO  may, in its sole discretion and without prior notice to you, terminate your access to the Site and your Account for any reason, including without limitation: (1) attempts to gain unauthorized access to the Site or assistance to others' attempting to do so, (2) overcoming software security features limiting use of or protecting any Content, (3) discontinuance or material modification of the Site or any service offered on or through the Site, (4) violations of this Terms of Use, (5) failure to pay for purchases, (6) suspected or actual copyright infringement, (7) unexpected operational difficulties, or (8) requests by law enforcement or other government agencies. You agree that FINAO will not be liable to you or to any third party for termination of your access to the Site.

  1. Consent To Collection, Use & Disclosure of Your Personal Information. As more fully described in our Privacy Policy, you must disclose certain Personally Identifiable Information to use our Site, register, and make purchases. As a condition of registering with our Site or making any purchases of any products and/or services or conduct any transactions, you represent that you have first read our Privacy Policy and consent to the collection, use and disclosure of your Personally Identifiable Information and Non-Personally Identifiable Information as described in our Privacy Policy. Our Privacy Policy's terms and conditions will change from time to time, and as a condition of browsing the Site, using any features or making any purchase, you agree that you will first review our Privacy Policy prior to making any initial or subsequent purchases.

While FINAO takes reasonable steps to safeguard and to prevent unauthorized access to your personal information, we cannot be responsible for the acts of those who gain unauthorized access, and we make no warranty, express, implied, or otherwise, that we will prevent unauthorized access to your private information. IN NO EVENT SHALL FINAO OR ITS AFFILIATES BE LIABLE FOR ANY DAMAGES (WHETHER CONSEQUENTIAL, DIRECT, INCIDENTAL, INDIRECT, PUNITIVE, SPECIAL OR OTHERWISE) ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, A THIRD PARTY'S UNAUTHORIZED ACCESS TO YOUR PERSONAL INFORMATION, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, STRICT LIABILITY, TORT OR OTHER THEORIES OF LIABILITY, AND ALSO REGARDLESS OF WHETHER FINAO WAS GIVEN ACTUAL OR CONSTRUCTIVE NOTICE THAT DAMAGES WERE POSSIBLE.

  1. Consent To Our Communication With You By E-Mail. By establishing an Account with us, and each time you make a purchase through our Site, you grant permission for FINAO to contact you at your e-mail address. To stop receiving our marketing emails, send an e-mail to us at askus@finaonation.com or follow the opt-out procedures set forth in such marketing emails. FINAO cannot be held responsible for emails not received due to SPAM filters installed by your Internet Service Provider (ISP), Email provider or by you the Customer. FINAO cannot be held responsible for Order delays or failure to receive out of stock or declined notifications created by SPAM filters or other related computer software and/or hardware.
  2. Conditions of Sale and Payment Terms. To purchase any goods and/or services on our Site, you must (a) be at least eighteen (18) years of age or the applicable state age of majority. Prior to the purchase of any goods or services on our Site, you must provide us with a valid credit card number and associated payment information including all of the following: (i) your name as it appears on the card, (ii) your credit card number, (iii) the credit card type, (iv) the date of expiration and (v) any activation numbers or codes needed to charge your card. By submitting that information to us, you hereby agree that you authorize us to charge your card at our convenience but within thirty (30) days of credit card authorization.
  3. Methods of Payment, Credit Card Terms and Taxes. All payments must be made by VISA, MasterCard, American Express, Discover Card. Your card issuer agreement governs your use of your designated card, and you must refer to that agreement and not this Terms of Use to determine your rights and liabilities as a cardholder. YOU, AND NOT FINAO, ARE RESPONSIBLE FOR PAYING ANY UNAUTHORIZED AMOUNTS BILLED TO YOUR CREDIT CARD BY A THIRD PARTY. You agree to pay all fees and charges incurred in connection with your purchases (including any applicable taxes) at the rates in effect when the charges were incurred. Unless you notify FINAO  of any discrepancies within sixty (60) days after they first appear on your credit card statement, you agree that they will be deemed accepted by you for all purposes. If FINAO does not receive payment from your credit card issuer or its agent, you agree to pay all amounts due upon demand by FINAO or its agents. You are responsible for paying any governmental taxes imposed on your purchases, including, but not limited to, sales, use or value-added taxes. FINAO shall automatically charge and withhold the applicable sales tax for orders to be delivered to addresses within Washington State and any other states or localities that it deems are required.

Improper/Fraudulent Chargeback fee: $25.00. 
Explanation: Customers issuing chargeback(s) with their Credit Card's issuing Bank without proper cause will be billed any fees incurred by FINAO in disputing the chargeback as well as a $25.00 Chargeback fee. This is necessary to recover the charges we were billed by Visa/MasterCard when the no cause chargeback was issued. With this type of fraud/negligence on the rise, and little recourse given to the Merchant by the credit card issuers, we must protect ourselves from this new type of crime/negligence.

  1. Order Acceptance Policy. Your receipt of an electronic or other form of order confirmation does not signify our acceptance of your order, nor does it constitute confirmation of our offer to sell. FINAO reserves the right at any time after receipt of your order to accept or decline your order for any reason. FINAO further reserves the right any time after receipt of your order, without prior notice to you, to supply less than the quantity you ordered of any item. Your order will be deemed accepted by FINAO upon our shipment of products or delivery of services that you have ordered. All orders placed over $1000.00 (U.S.) must obtain pre-approval with an acceptable method of payment, as established by our credit and fraud avoidance department. We may require additional verifications or information before accepting any order.
  2. No Responsibility To Sell Mispriced Products Or Services. FINAO shall have the right to refuse or cancel any orders placed for products and/or services listed at an incorrect price, rebate or refund, or containing any other incorrect information or typographical errors. FINAO shall have the right to refuse or cancel any such orders whether or not the order has been confirmed and your credit card charged. If your credit card has already been charged for the purchase and your order is canceled, FINAO shall immediately issue a credit to your credit card account in the amount of the charge.
  3. Modifications to Prices or Billing Terms. FINAO RESERVES THE RIGHT, AT ANY TIME, TO CHANGE ITS PRICES AND BILLING METHODS FOR PRODUCTS OR SERVICES SOLD, EFFECTIVE IMMEDIATELY UPON POSTING ON THE SITE OR BY E-MAIL DELIVERY TO YOU.
  4. Order Processing and Shipping Times. Most all Orders are processed within 1 hour of receipt during normal business hours. For this reason, we are unable to make changes to your order once it has been submitted via our website or by phone in most all cases. Please review your Order carefully before submitting. Due to the customization process most orders will be received between 7 and 14 business days.
  5. Images, Dyes, Fabrics, Weights and Content. Every effort is made to insure that pictured fabric colors in our catalog and on our website are as close as possible to the actual fabric color. This cannot be guaranteed and an actual color sample should be purchased when exact color match is required. Since most monitors are never calibrated the colors you see on your monitor may differ from what others see on their monitor and from the actual color of the apparel in the picture. Shade variations are inherent in the garment dyeing process. Garment-Dyed goods should be washed separately before wearing. Do not dry clean. Published fabric weights are an average weight among neutrals, lights, darks and premiums. Ash/Heather colored products are not 100% cotton and must carry a small percentage of polyester to achieve the color.

Copyright Policy & Sports and College Licensed Apparel

We do not reproduce copyrighted material and cannot accept any liability for copyright infringement for agreeing to reproduce a customer's order. We will NOT decorate any of our apparel products with licensed college or professional team sports logos such as the NBA, MLB, NFL, etc. These require special licensing agreements with the colleges and sports leagues.

  1. Shipping Terms and Liability. This merchandise becomes your property at the time it is accepted by the carrier. The carrier will be UPS Ground. UPS cannot deliver to a P.O. Box. Delivery address must be a physical street address. Most all approved orders placed before 1pm CST will begin processing that same day. FINAO also reserves the right to modify the shipment cut-off times and to select alternative carriers. FINAO is not responsible for discrepancies on orders received by parties other than the billed customer. We ship only to locations within the 50 United States. We do not accept requests for delivery at specific times of day. For residential deliveries, if the recipient is not available at the time of delivery, the delivery person may leave the gift in a safe place for the recipient to retrieve when they return or attempt delivery the next day. During the holidays deliveries may be made as late as 9pm. For business deliveries, if the business is closed or not accepting deliveries, delivery will be attempted the next business day. During the holidays deliveries may be made as late as 5pm. FINAO cannot be held responsible for lost or delayed orders after shipments leave our warehouse. Delivery of any shipment by us to a carrier relieves us of all further responsibility for damage and / or shortage. If you have a concealed shortage or damage you must notify carrier to inspect within 7 days of receipt of shipment. Any claim for damage or shortage must be filed in writing with the carrier. Claims must be filed within the carrier's specified timeframe of receipt of shipment. At your request, if you will send the carrier's written report of their inspection, we will help you in filing your claim.

Commercial Address: Signature required for all packages.

Residential Address: We ship with "No Signature Required" by default. BUT some UPS drivers take it upon themselves to decide whether or not to leave a package without obtaining a signature. This is beyond our control. FINAO cannot be held responsible for lost shipments in which the carrier does not require a signature for delivery (either by choice, designation or waiver of signature on file for the ship to address) and leaves package(s) unattended at the ship to address. FINAO will assist in filing a claim.

IMPORTANT NOTICE: Customer assumes all risk when requesting 'No signature required,' and-or deliveries to unsecured special locations, e.g., 'Leave at back door,' 'Leave at manager's desk,' etc. We can only provide this special location if room allows in the address field. FINAO cannot guarantee that your special location will be included with your delivery address. Customer must designate at Check Out the proper 'Ship to' receiver, and-or business name and address to which delivery is to be made. Failure to provide accurate receiver data may result in a delayed or failed delivery and subsequent UPS return of order to vendor, in which case additional shipping fees will be charged off-line to the credit card of record for reshipment of order. If a reshipment is not desired on an order in which accurate receiver data was not provided by the customer, shipping charges will not be refunded. Please note, our warehouses do not ship on weekends and we do not offer weekend or holiday delivery. Tracking information provided when available. 

  1. SPAM POLICY. Unsolicited Commercial Email is a FEDERAL CRIME. Presence of our email addresses on our site does not invite Unsolicited Commercial Email (UCE or "SPAM"). Copies of all UCE that we receive are forwarded to our Federal and State lawmakers and to the Federal Trade Commission for possible criminal prosecution. Pursuant to US Code, Title 47, Chapter 5, Subchapter II, ¶227 [47 USC 227], any and all unsolicited commercial E-mail sent to any address at finaonation.com, or to any of our clients, is subject to a download and archival fee in the amount of Five Hundred U.S. Dollars ($500.00US). E-Mailing denotes acceptance of these terms. This system is private property, unauthorized use is prohibited by law. Operation of a spider or any other software, hardware, and/or scripts for the purpose of collecting and/or harvesting email addresses or our visitors’ personal information is strictly forbidden. Violators may be subject to a fine of up to Five-Hundred Dollars U.S. ($500.00US) for each file request made for these purposes. If you feel that it is unfair that your free use of the Internet should be restricted because of the unethical and illegal acts of a small minority of Internet citizens, please (a) contact your Internet Service Provider and ask them to take a firm anti-SPAM stance if they have not already done so; (b) contact your state and Federal lawmakers and them to pass and aggressively enforce anti-SPAM legislation.
  2. Indemnification. You agree to indemnify and hold harmless FINAO and its parents, sister companies, subsidiaries, affiliates, service providers, other End Users, distributors, licensors, officers, directors and employees from any claim or demand, including reasonable attorneys' fees, made by any third party arising out of or related to your violation of this Terms of Use, or your violation of any law, regulation or third-party right.
  3. Disclaimer of Warranties. THE SITE, PRODUCTS, SERVICES, CONTENT, DIGITAL DOWNLOADS, SOFTWARE, ARTWORK, DATA, AND INFORMATION ARE PROVIDED "AS IS." ALL OF FINAO 'S PHYSICAL PRODUCTS ARE GUARANTEED AGAINST MATERIAL DEFECTS FOR THIRTY (30) DAYS FROM THE DATE OF INVOICE. EXCEPT AS EXPRESSLY STATED HEREIN, FINAO EXPRESSLY DISCLAIMS ALL WARRANTIES AND/OR CONDITIONS, EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO OR REFERENCED BY THE FINAO SITE, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES AND/OR CONDITIONS OF MERCHANTABILITY OR QUALITY OF DATA AND FITNESS FOR A PARTICULAR PURPOSE, SUITABILITY, TITLE, NON-INFRINGEMENT, LACK OF VIRUSES OR CORRESPONDENCE TO DESCRIPTION.
  4. LIMITATION OF LIABILITY. THE ENTIRE RISK ARISING OUT OF THE USE OF THE SITE, THE USE OF ANY PRODUCTS AND/OR SERVICES OFFERED ON OR IN CONNECTION WITH THE SITE, AND/OR THE USE OF ANY CONTENT AND/OR DIGITAL DOWNLOADS REMAINS WITH YOU. IN NO EVENT SHALL FINAO OR ITS LICENSORS OR ANY OF THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR AFFILIATES BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, DIRECT, INDIRECT, SPECIAL, PUNITIVE, OR OTHER DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR OTHER PECUNIARY LOSS) ARISING OUT OF THIS TERMS OF USE OR THE USE OF OR INABILITY TO USE ANY PRODUCTS, SERVICES, CONTENT AND/OR DIGITAL DOWNLOADS, WITH THE DELAY OR INABILITY TO USE THE FINAO SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE PRODUCTS OR SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND CONTENT OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE FINAO SITE WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE EVEN IF FINAO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING ELSE IN THIS TERMS OF USE OR POSTED ON THE SITE, THE MAXIMUM LIABILITY THAT FINAO SHALL HAVE IS LIMITED TO ANY AMOUNTS ACTUALLY PAID TO FINAO BY END USER. ORDER INFORMATION SUCH AS BILLING OR SHIPPING ADDRESS THAT IS INACCURATE OR INCOMPLETE MAY RESULT IN DELAYS THAT SHALL NOT BE THE RESPONSIBILITY OF FINAO . YOU ACKNOWLEDGE AND AGREE THAT THE LIMITATIONS OF LIABILITY, DISCLAIMERS OF WARRANTIES AND LIMITED REMEDIES SET FORTH HEREIN REPRESENT AN INSEPARABLE ALLOCATION OF RISK (INCLUDING, WITHOUT LIMITATION, IN THE EVENT OF A TOTAL AND FUNDAMENTAL BREACH OF THIS TERMS OF USE) THAT IS AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN THE PARTIES.
  5. Policy to Terminate Privileges for Copyright Infringement. Pursuant to 17 U.S.C. §512 as amended by Title II of the Digital Millennium Copyright Act (the "Act"), FINAO  will terminate the account of any customer, or vendor who uses his or her privileges to unlawfully transmit copyrighted material without a license, valid defense or fair use privilege to do so. After proper notification by the copyright holder or its agent to the FINAO and later confirmation through court order or an admission by the customer that an account has been an instrument of unlawful infringement, FINAO will terminate the infringing customer's account. FINAO may also in its sole discretion decide to terminate a customer's account privileges prior to that time if it has good belief that infringement has in fact occurred. In addition, pursuant to 17 U.S.C. §512(c), FINAO has implemented procedures for receiving written notification of claimed infringements and for processing such claims in accordance with the Act. FINAO respects the intellectual property of others and we ask other to do the same. If you believe that your copyright has been infringed through the FINAO .com website, please contact "Legal Department", via facsimile at fax 888-680-1945, or mail at:

FINAO  
Attn: Legal Department 
15127 NE 24th St. #109 
Redmond, WA 98052-5547

Any written notice describing the infringing activity must include the following information:

  1.  
    1. An electronic or physical signature of the person authorized to act on behalf of the owner of an exclusive that is allegedly infringed;
    2. A description of the allegedly infringing work or material;
    3. A description of where the allegedly infringing material is located on the site;
    4. Information reasonably sufficient to allow us to contact you, such as your address, telephone number and e-mail address;
    5. A statement by you that you have a good faith belief that the disputed use of the material is not authorized by the copyright or other proprietary right owner, its agent, or the law; and
    6. A statement by you that the above information and notification is accurate, and under penalty of perjury, that you are the copyright owner or authorized to act on behalf of the owner whose exclusive right is allegedly infringed.
  2. Solicitation. FINAO does not support, condone or allow solicitation. Any form of communication or posts deemed by FINAO to be solicitation, will be removed from the site at the sole discretion of FINAO. Notification to the poster is not a requirement of any action taken to remove such posts. Repeated offenses can lead to permanent loss of site use privileges.
  3. General. No delay or failure to take action under this Terms of Use shall constitute any waiver by FINAO of any provision of this Terms of Use. If any provision of this Terms of Use is invalid or unenforceable under applicable law, it is, to that extent, deemed enforceable to the fullest extent possible (and severable in the event such provision is completely unenforceable) and the remaining provisions of this Terms of Use will continue in full force and effect. This Terms of Use will bind and inure to the benefit of FINAO's permitted successors and assigns. Any claim under these Terms of Use must be brought within one (1) year after the cause of action arises. This Terms of Use shall be governed by the laws of the State of Washington without regard to or application of any conflict of laws provisions. You consent to the exclusive jurisdiction of the state and federal courts sitting in Snohomish County, in the State of Washington. This Terms of Use is personal to you and may not be transferred, assigned or delegated to anyone. Any attempt by you to assign, transfer or delegate this Terms of Use shall be null and void. FINAO may freely assign this Terms of Use without consent or notice. This Terms of Use (including all documents expressly incorporated herein by reference, including but not limited, to the relevant Usage Rules) constitutes the complete and exclusive agreement between FINAO and you with respect to the subject matter hereof and supersedes all prior oral or written understandings, communications or agreements not specifically incorporated herein.