Terms and Conditions

Rug Owners Association (ROA)

Last Updated: June 24, 2026

1. Introduction

Welcome to the Rug Owners Association ("ROA", "we", "us", or "our"). These Terms and Conditions ("Terms") govern your access to and use of all services, websites, platforms, and membership benefits offered by ROA.

By interacting with ROA, including but not limited to requesting services, making payments, submitting information, or using our online platforms, you accept and agree to be legally bound by these Terms. Please read them carefully before engaging with ROA.

2. Definitions

RO: Rug Owner
ROs: Rug Owners
ROA: Rug Owners Association
RC: Rug Company
RCs: Rug Companies
Technology: ROA’s website, mobile applications, and digital platforms
Services: Any rug-related service or offering provided by ROA or its RC partners

3. About ROA

ROA is a non-profit organization that supports and protects the interests of rug owners. Our mission is to:

Help ROs access high-quality rug services, including cleaning, repair, appraisal, buying, selling, and trading
Eliminate confusion and stress by managing all service interactions
Educate ROs through expert consultation and informative resources
Offer fair prices through ROA’s strong market position

3.1 Common RO Challenges

ROs often struggle with:

Identifying trustworthy RCs
Evaluating service quality and prices
Receiving timely service and transparent communication
Avoiding overcharging and fake service claims

3.2 ROA's Solutions

ROA:

Assigns expert Persian rug project managers to each case
Manages communication, pricing, quality control, and delivery
Offers interest-free payment plans
Ensures member rights through contractual guarantees with RCs
Provides rug sales and trade support
Issues certified appraisals with honest market values

4. Services and Offerings

4.1 Consultations

ROA provides in-person or virtual consultations with expert rug advisors at no charge for members.

4.2 Rug Cleaning and Repair

Managed by certified RCs under ROA’s supervision
Quality assurance is enforced via ROA’s agreements with RCs
All services guaranteed with refund or redo policies if performance is substandard

4.3 Rug Sales and Trade

ROs can consign rugs via ROA
ROA helps match buyers and sellers
ROA guarantees quality, authenticity, and pricing of used rugs

4.4 Appraisal Services

ROA’s expert appraisers offer certified, in-person market value assessments for all rug types.

5. Membership

ROA membership is required to access most benefits.

5.1 Levels of Membership

Bronze (Free): Basic consultations and access to articles
Silver ($49/year): Adds pickup and delivery, payment plans, and discounts
Gold ($99/year): Adds service guarantees, more appraisals, and greater discounts

5.2 Member Benefits

Members may enjoy:

Free expert consultations
Educational materials and seminars
Flexible payment plans
Credit rewards in USD
Free delivery and pickup
Priority scheduling and updates

6. Installment Payment Policy

6.1 Agreement and Commitment

A down payment of minimum 20% is due before work begins
Balance is paid in monthly installments as agreed
The official invoice, service order, payment agreement, or receipt contains all customer-specific details, including names, rug descriptions, service descriptions, prices, discounts, taxes, fees, due dates, installment amounts, balances, payment methods, and other numbers. These details are part of the agreement and are not repeated in full on this website page.
All rug descriptions, types of services performed, and other relevant details listed in the official invoice are attached to and considered an integral part of the applicable agreement between the client and ROA.
Clients must sign or accept a formal Installment Payment Commitment Letter or written installment approval when installment terms are offered
Client agrees to pay all installments on time and resolve delays immediately
ROA is authorized to pursue payment recovery using any legal method deemed appropriate

6.2 Accepted Methods

Credit and debit card, with ROA securely storing details for future billing
One post-dated check equal to the full remaining balance, used only if installment fails

6.3 Late or Missed Payments

Over 5 days late: 10% penalty on due amount
Over 15 days late: Full remaining balance becomes due
ROA may use any authorized method, including cards or check, to collect balance
If any installment, invoice balance, recovery fee, chargeback amount, failed payment amount, or other approved amount is not paid when due, ROA may invoice the amount due, send the account to collections, and/or pursue legal action in Tampa, Florida, to the extent permitted by law

6.4 Card and Check Authorization

Client must provide two valid credit cards and one valid debit card
Client must not remove registered cards without replacing them
Client must provide at least one recent bank statement, issued within 60 days
If card fails, ROA is authorized to charge debit card or deposit check
ROA agrees to return the post-dated check by certified mail after full payment, and is not liable after dispatch with proof of mailing
If a credit card, debit card, or other payment method is changed, cancelled, blocked, expired, removed, replaced, unfunded, or otherwise does not work when ROA attempts to charge an approved payment, ROA may invoice the failed amount plus a 25% recovery fee. If not paid, ROA may send the account to collections and/or pursue legal action in Tampa, Florida, to the extent permitted by law

6.5 Commitment Terms

The following commitment terms apply whenever a member accepts or uses an installment payment plan with ROA:

The member agrees to pay all installments on or before their respective due dates. If any issue or delay arises in making a payment, the member commits to resolving the matter promptly and ensuring timely fulfillment of payment obligations without waiting for reminders from ROA.
The member authorizes ROA to securely store and charge two valid credit cards and one valid debit card through ROA’s secure portal to collect installment payments.
The member agrees to provide at least one valid debit card along with a recent bank statement issued within the last 60 days confirming account ownership and sufficient available funds.
The member agrees that they are not permitted to delete or remove any registered card without prior approval from ROA, and that they must add a valid replacement card before removing any existing one.
If a post-dated check is provided equal to the full remaining balance as a guarantee of payment, the check will only be deposited if any installment is not paid within the agreed terms, and ROA has the right to withdraw its receivable from that check.
Upon full settlement of the outstanding balance, ROA agrees to return or destroy the post-dated check upon the member’s written request. ROA will mail the check to the address in the applicable agreement via certified mail, and will not be held responsible for any loss once the check has been dispatched with proof of mailing.
If a credit card payment fails, the member authorizes ROA to charge the backup debit card or deposit the provided post-dated check.
The member understands that any installment payment delayed by more than 5 days will incur a 10% late fee based on the due amount.
The member understands that if any payment is delayed more than 15 days, the entire unpaid balance becomes immediately due in full, and ROA may take any action it deems necessary to recover the unpaid amount.
The member will not dispute, reverse, or initiate chargebacks for any payments already completed after the services have been delivered.
If the member initiates a dispute, reversal, chargeback, stop payment, or similar action for any valid payment, installment, invoice balance, or completed payment after services have been delivered, ROA may invoice the disputed or reversed amount plus a 25% recovery fee, in addition to bank fees, processor fees, legal fees, collection costs, court costs, attorney fees, and related expenses. If not paid, ROA may send the account to collections and/or pursue legal action in Tampa, Florida, to the extent permitted by law.
The member acknowledges that in the event of non-payment, ROA may initiate legal or collection actions, and the member agrees to bear all legal fees, collection costs, and related expenses incurred as a result.
The member authorizes ROA to contact them by phone, email, mail, or in person at the address provided, regarding any unpaid balance.

6.6 Acknowledgment of Understanding and Satisfaction

The following acknowledgment terms apply to invoices, payment plans, cleaning services, repair services, rug purchases, delivery, and all other ROA services, as applicable:

The member has carefully read and fully understood all the terms in this agreement.
All items listed in the official invoice were clearly explained to the member by the assigned project manager. The member confirms that they understood each item in full and had no confusion or ambiguity regarding their content. Furthermore, the member acknowledges that the project manager coordinated the execution of these items only after receiving the member’s approval and authorization. The member was fully informed of the cost of each service item before proceeding. Therefore, the member waives any right to dispute, challenge, or raise complaints regarding the pricing of any listed item, now or in the future.
If the member is purchasing rugs, the member confirms that they have inspected and approved their quality and condition before purchase.
If the member is using cleaning or repair services, the member confirms that all rugs were received in full and that the member is fully satisfied with the outcome.
The member acknowledges that they have carefully read, understood, and accepted all the terms outlined in ROA’s official Terms and Conditions, which are available on ROA’s website or provided directly. The member understands that the applicable agreement is subject to those Terms and Conditions, and agrees to be legally bound by them.
The member voluntarily appoints ROA (Rug Owners Association) as their authorized legal representative to manage and oversee all matters related to the cleaning and repair of their rugs.
The member voluntarily and with full mental clarity accepts the project manager appointed by ROA as their authorized representative to oversee all matters related to their rugs. Throughout the project, the assigned project manager fully met the member’s expectations and fulfilled all promised responsibilities in alignment with ROA’s stated commitments. The manager maintained clear and constructive communication with the member and addressed all rug-related needs in a professional and satisfactory manner. The member confirms complete satisfaction with the project manager’s performance and waives any future claims or objections against this individual regarding this project.
The member confirms that the assigned project manager has fully met all responsibilities in accordance with ROA’s internal policies and procedures.
The member expresses that they have no dissatisfaction regarding the performance of the assigned project manager, and waives any claim of dissatisfaction that is not formally submitted in writing within 10 days after delivery.

7. Guarantee of Services

7.1 Service Quality

ROA guarantees top-quality services delivered by RCs under contract
In case of substandard service, ROs may submit a complaint with documentation
ROA may issue a 50% refund or require service redo from RC

8. Legal Representation Authorization

By accepting services from ROA, the client appoints ROA as their legal representative for all rug service transactions. ROA is authorized to:

Evaluate rug condition
Select appropriate RCs
Negotiate costs
Approve or reject service modifications
Monitor progress
Enforce timelines
Protect against inflated charges

Client confirms that their assigned ROA project manager fulfilled all responsibilities and no dissatisfaction remains.

9. Privacy Policy

ROA collects, stores, and processes user data in accordance with U.S. privacy laws. See our full Privacy Policy for:

Categories of data we collect
How we store and secure data
Your rights to access, modify, or delete your data
Third-party sharing restrictions
Compliance with CCPA, GDPR, and other regulations
Social media and SMS policies
International data transfers and user rights by jurisdiction

10. Intellectual Property

All content on ROA’s website, marketing materials, and documentation is the intellectual property of ROA and cannot be copied, shared, or reused without permission.

11. Limitation of Liability

ROA is not responsible for:

Damage to rugs due to prior conditions
Delays caused by acts of nature, shipping, or third-party failure
Client decisions based on ROA educational content

12. Arbitration and Legal Disputes

Disputes between ROA and clients must go through 60 days of good faith negotiation. If unresolved:

Binding arbitration may be used where applicable
Class actions are waived
Venue for arbitration, collection actions, court proceedings, and legal claims will be Tampa, Florida, to the extent permitted by law
If any invoice, installment, recovery fee, chargeback amount, failed payment amount, or other balance is not paid when due, ROA may send the account to collections and/or pursue legal action in Tampa, Florida, to the extent permitted by law

13. Termination of Services

ROA may refuse or terminate services if clients:

Violate terms
Provide false information
Fail to pay
Act unethically or abusively toward staff

14. Contact Information