Legal Notice

Summer promo

Offers in effect from Monday, June 27, until Wednesday, August 03, 2022. Limited quantity on certain items. Applies to in-stock products only. These offers cannot be combined with any other promotion. Selected brands and models. Details in store or on braultetmartineau.com. † See price in store or on braultetmartineau.com. †† Until July 13, Brault & Martineau will deduct from your purchase an amount equivalent to the GST and QST. Valid on major kitchen appliance sets. Selected brands and models. Details in store or on braultetmartineau.com. ††† Until July 13, with the purchase of a selected washer-dryer set, get up to $100 in instant cashback. Selected brands and models. Details in store or on braultetmartineau.com. †††† With the purchase of a selected television, get a speaker for free. Selected brands and models. Details in store or on braultetmartineau.com. ††††† See conditions in store or on braultetmartineau.com.

 

** Free delivery with any purchase of $799 or more (before taxes). See conditions on braultetmartineau.com. Brault and Martineau is in no way responsible for late deliveries due to a major disaster or other unforeseen circumstances that make delivery excessively difficult or impossible for Brault & Martineau. Brault & Martineau is not responsible for setbacks such as delays by suppliers, Canada Post, out-of-stock, harsh weather conditions or incomplete orders, etc. In such cases, the expected delivery date could be postponed.

End of Accord D cards and financing. Please note that Desjardins has terminated in-store Accord D financing and, by extension, the agreement to issue Brault & Martineau Accord D cards since July 1, 2022. For more information, visit our FAQ or contact one of our experts at 1 833 333-0345.

Brault&Martineau Accord D cards and financing

*Saleterms and conditions for “Equal monthly payments, no interest” financingprogram: minimum purchase of $799 before taxes for furniture, mattresses,decoration accessories, household appliances and electronics except forselected items. Subject to Fédération des caisses Desjardins du Québec ('theFederation') approval. All annual interest rates indicated are subjectto change. The 'Deferred payment, no payments or interest for...' offerallows the customer to use a credit card issued by the Federation ('theCard') to pay for a deferred payment purchase, without incurring interestduring the period set at the time of purchase. If this purchase is not paid infull by the due date, an annual interest rate of not more than 21.9% appliesand it is converted into equal and consecutive payments due in 12 monthlyinstalments if the converted balance is less than $1,000; 24 monthlyinstalments if the converted balance is equal to or greater than $1,000 andless than $3,000; or in 36 monthly instalments if the converted balance isequal to or greater than $3,000.

*Annualinterest rate on the card of not more than 19.9%. There is a 21-day,interest-free grace period on the card from the date the monthly statement ismailed or from the date it is made available in electronic format to settle theaccount without paying credit charges, except on cash advances and cheques.Minimum card payment is 5% of the total of: the balance shown on the account statementfor the previous period; credit charges on purchases and monthly instalmentsthat have not been paid on the due date for the current period; regularpurchases, cash advances and cheques during the statement period and creditcharges on cash advances and cheques. To which are added: monthly instalment(s)for the statement period, deferred payment purchases due on the statement date,past due amounts, and any other amount set out in the card contract. Card available without membership and renewal fees. Contact our customer service for more details.

TABLE OF EXAMPLES OF CREDIT CHARGES
AVERAGE DAILY BALANCE ANNUAL
INTEREST RATE
COST FOR A 30-DAY
BILLING CYCLE
ANNUAL COST
  $100 $500 $100 $500
Regular purchase 19,90% $1,64 $8,18 $19,90 $99,50
Equal Instalments Financing 19,90% $1,64 $8,18 $19,90 $99,50
Deferred payment financing 21,90% $1,80 $9,00 $21,90 $109,50

Financing by Fairstone Financial Inc.


1. Deferred Payment Financing with minimum payment (Same as cash)

On approved credit. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement and Disclosure Statement and the promotional plan disclosure statement (collectively the “Account Agreement”). Under this plan, credit charges will accrue on the purchase from the beginning of the promotional period, and minimum payments of 5% of the balance, or 10$ (whichever amount is the highest) will be due each billing cycle, on the due date. However, if you make the required payments and pay the purchase price in full by the expiration date of the promotional period, all of the accrued finance charges will be waived and no finance charges will be assessed on the purchase. Otherwise, if you do not pay the purchase price in full by the expiration date of the promotional period, all of the accrued finance charges will be accounted for. Making only the minimum monthly payments on your account will not pay off the purchase in time to avoid credit charges. On termination or expiry of the credit promotional plan (or for purchases that are not part of the promotional plan), the standard annual credit rate of 31.99%, as set out in your Account Agreement, and the terms of the regular credit plan, will apply to all outstanding balances owing. The grace period to make the minimum payment or pay the new balance is 21 days. The minimum payment due includes (i) the minimum payment under the applicable credit plan and, if applicable (ii) past due amounts, minimum payments on all other charges, minimum payments on credit insurance premiums and any credit limit overage amounts. Each Account Statement covers a billing period of approximately 30 days. No adhesion fee. See the Account Agreement for more information.

EXAMPLE OF CREDIT CHARGES

Purchase amount

5% minimum monthly payment based on the declining monthly balance (amount below corresponds to the 1st month) 

Interest if paid in full by expiry date of plan

Estimated accrued interest added to outstanding balance if not paid in full by end of term 

 6 month term  12 month term
 $1000   $50 $0

$139,31

$241,71

 $2000  $100

$0

$278,61

$483.42

 $3000

 $150

$0

$417,92

$725,12


2. Equal monthly payments without interest financing (Free Financing)

On approved credit. An annual adhesion fee of $35, as set out in your Account Agreement, will be charged to your Account for all plan with a 12-month term or more. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement and Disclosure Statement and the promotional plan disclosure statement (collectively the “Account Agreement”). Under this plan, credit charges will not accrue on the purchase during the promotional period if the required minimum payment is made each billing cycle during the promotional period when due. The purchase price is divided by the number of months in the promotional period to determine equal monthly payments to be made during the promotional period. If the minimum payment is not made when due or if a balance remains after the promotional period expires, credit charges will be assessed at the standard annual interest rate of 31.99%, as set out in your Account Agreement. The terms of this credit promotional plan will terminate if you default under your Account Agreement. On termination or expiry of the promotional plan (or for purchases that are not part of the credit promotional plan), the annual standard credit rate of 31.99%, as set out in your Account Agreement, and the terms of the regular credit plan will apply to all outstanding balances owing. The grace period to make the minimum payment or pay the new balance is 21 days. The minimum payment due includes (i) the minimum payment under the applicable credit plan and, if applicable (ii) past due amounts, minimum payments on all other charges, minimum payments on credit insurance premiums and any credit limit overage amounts. Each Account Statement covers a billing period of approximately 30 days. See the Account Agreement for more information.

EXAMPLE OF CREDIT CHARGES

Purchase amount

Annual interest rate

Cost for 30-day
billing cycle

Annual cost

$100   31.99% $2.63 

 $31.99

 $500

31.99%

$13.15

$159.95

 $1000

31.99%

$26.29

$319.90 

3. Payable in 3 months (No interest – No payment)

On approved credit. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement and Disclosure Statement and the promotional plan disclosure statement (collectively the “Account Agreement”). Under this plan, no credit charges will accrue, and no minimum payment will be due on the purchase during the promotional plan period. After the end of the promotional period, a minimum payment of 5% of the balance, or $10 (whichever amount is the highest), will be due each billing cycle on the due date. If the minimum payment is not made when due or if a balance remains after the promotional period expires, credit charges will be accounted for at the standard annual interest rate of 31.99%, as set out in your Account Agreement. The terms of this promotional plan will terminate if you default under your Account Agreement. On termination or expiry of the credit promotional plan (or for purchases that are not part of the credit promotional plan), the standard credit rate of 31.99% as set out in your Account Agreement and the terms of the Regular Credit Plan will apply to all outstanding balances owing. The grace period to make the minimum payment or pay the new balance is 21 days. The minimum payment due includes (i) the minimum payment under the applicable credit plan and, if applicable (ii) past due amounts, minimum payments on all other charges, minimum payments on credit insurance premiums and any credit limit overage amounts. Each Account Statement covers a billing period of approximately 30 days. No adhesion fee. See the Account Agreement for more information.

EXAMPLE OF CREDIT CHARGES

Purchase amount

Annual interest rate

Cost for 30-day
billing cycle

Annual cost

$100   31.99% $2.63 

 $31.99

 $500

31.99%

$13.15

$159.95

 $1000

31.99%

$26.29

$319.90