Calhoun Server

• Returns

  7-day window

  Within 7 days: original delivery + equal pickup charge; Days 8–30: those plus 20% restocking. Custom orders not returnable.

• Financing

  Wells Fargo

  Bernie & Phyl's Financing by Wells Fargo Bank, N.A.; also Affirm and Koalafi lease-to-own.

• Delivery

  Delivery or store pickup

  Store pickup available

• Protection

  Protection plan offered

Bernie & Phyl's is a New England regional—confirm at store. Like-new returns generally within 7 days (you cover original delivery plus an equal pickup charge); days 8–30 add about 20% restocking. Special order and clearance are final; mattresses use a comfort-exchange path. Wells Fargo (+ Affirm). Delivery or store pickup. Protection offered. Factor pickup charges into any return—even inside the first week.

Bernie & Phyls locations set their own terms. Confirm the details with your local store before you buy.