Tate Sofa

• 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.

Flexsteel is a Dubuque, Iowa–based residential furniture maker (company materials date the lineage to 1893) known for sofas, recliners, and motion seating built around its patented Blue Steel Spring™. Official About copy highlights a lifetime guarantee story on that spring and distribution through more than 1,300 retail locations nationwide, plus sister labels such as Charisma and Homestyles on some assortments. Shoppers buy Flexsteel when they want supportive seating sold through independent and regional furniture retailers. Look for spring and frame notes on the PDP, plus fabric or leather grade, cushion options, and any power motion features. Confirm the selling retailer’s delivery schedule and how warranty service is handled locally after delivery.

Brand grade 5 sets the quality peer room for scoring — it is not bonus points added to the Furnzy Score.