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  Prior to purchasing a Dell computer using Dell Financial Services financing options, consumers should note that applying for the Dell Preferred Account does not guarantee their qualification for special promotions or offers. Annual percentage rate, credit limit, and special promotions and offers vary for each customer, depending on their credit history and Dell Financial's underwriting criteria.According to Dell Financial's responses to consumer complaints, the consumer is responsible for reviewing all terms and conditions before agreeing to the sale when applying for an account online. Once they accept the terms they have been offered, they are agreeing to the terms and conditions of the sale. The terms and conditions are sent via mail or email for the consumer to review. If consumers choose not to accept these terms and conditions, they must contact Dell Financial within 24 hours of receipt of credit agreement to either cancel the order or arrange for another method of payment. Complete information regarding the terms and conditions can be found at www.dellfinancialservices.com.Consumers should also be sure to pay special attention to promotion expiration dates. According to Dell Financial's contract terms, failure to submit payment prior to the promotion expiration date may result in finance charges. Consumers are responsible for remitting timely payments in order to avoid any late fees.According to the company, Dell Inc and Dell Financial Services are separate corporations. Dell Financial is a financing entity distinct from Dell Inc, and as such is solely and exclusively responsible for financing computer equipment that is manufactured and sold by Dell Inc. Dell Inc is responsible for technical support and warranty assistance, but Dell representatives have no authority to act on behalf of Dell Financial in any capacity.