PayLaterr
Terms of Service USA

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY ACCESSING THE PAYLATERR WEBSITE OR USING THE PAYLATERR SERVICE, YOU AGREE TO BE BOUND BY IT. IF YOU DO NOT AGREE WITH THESE TERMS, PLEASE DO NOT ACCESS THE PAYLATERR WEBSITE OR USE THE PAYLATERR SERVICE. THE HEADINGS CONTAINED IN THIS AGREEMENT ARE FOR REFERENCE PURPOSES ONLY. YOU SHOULD PRINT A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

This Agreement provides that all Disputes (as defined in Sections (“Dispute Resolution”) below) between you and us will be resolved by BINDING ARBITRATION. YOU AGREE TO GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under this Agreement, except for matters that may be taken to small claims court. Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury, and your claims cannot be brought as a class action. YOU HAVE A RIGHT TO OPT OUT OF THE BINDING ARBITRATION AND CLASS ACTION WAIVER PROVISIONS AS DESCRIBED in Section of (“Dispute Resolution”) below. Please review each Section for the details regarding your agreement to arbitrate any Disputes with us. If you do not agree to be bound by this Agreement, you may not use the Services as defined below in Section.

OUR SERVICES

Our bill payment service platform (“Platform”) allows you to use various products and services. To use the Platform, you must sign up to become a member through either PayLaterr.com or PayLaterr mobile application.

Monthly Membership Fee

There is a monthly membership fee of $34.99 ("Membership Fee") for Basic plan and $69.99 for Premium plan and $159.99 for Ultimate plan. The Membership Fee is billed monthly. You will pay the Membership Fee on the same day every month and in some cases the payment date may change, for example if the payment has not successfully settled or if the paid membership began on a day not contained in each month. You pay this Membership Fee regardless of whether you are utilizing the Services.

No Other Fees

We do not charge any fee for early payments, interest, establishment fees, annual fees, or late fees for any of our Services.

Cancelling Your Account

You can cancel your membership at any time if there are no outstanding payments due to PayLaterr (excluding Monthly Membership Fees) or any other scheduled payments in your account. If you wish to cancel your membership and there are outstanding payments due to PayLaterr or other scheduled payments in your account, you can pay off the outstanding payments or cancel scheduled bill payments before cancelling the membership. Once canceled, your Membership Fee will not be debited on the next monthly anniversary. If you need more time to pay off scheduled payments and do not want to pay the Monthly Membership Fee, please contact our customer support for help.

Delete Your Account

You have the right to request the deletion of your account at any time. Upon your request, we will take reasonable steps to delete your personal information from our records, unless retention is required by law or for legitimate business purposes.

How to Delete Your Account

  • **Go to Settings**: Log in to your account and go to your setting.
  • **Account Settings**: Click on "Account Settings".
  • **Delete Account**: Click on "Delete Account" and follow the prompts to confirm your request.

Processing Your Request

  • **Verification**: For security purposes, you may be asked to confirm your identity before your account deletion is processed.
  • **Immediate Deletion**: Once you complete the steps above, your account and all associated data will be permanently deleted.

Data Retention

Even after your account is deleted, certain data may be retained as required by law or for legitimate business purposes. This data will be securely stored and protected in accordance with our data retention policies.

Reversing Deletion

Account deletion is a permanent action and cannot be reversed. Once your account is deleted, all associated data will be permanently removed, and you will not be able to recover any information.

Payment Schedules

Payment schedules will be displayed on each bill uploaded to the Platform prior to you confirming the submission of the bill.
If you are using the PayLaterr Pay in 4 options, the bill amount will be divided into five equal payments. You will be required to pay as they are due.

Bill Balance

Your account will be allocated an account limit and will contain an “Available Balance”. Your “Available Balance” for the PayLaterr Pay in 4 service is disclosed to you when you open your account and, generally, on your account dashboard. The Available Balance is the total amount available for bill payment using the account for PayLaterr Pay in 4, and it is reduced by any currently outstanding amounts from previous bill payment. We may pace how you use your Available Balance by the number of bills you can upload at any given time. We may change your Available Balance at any time and for any reason at our sole discretion.

Processing and Bill Payments

To process a bill, it must be uploaded directly to your account on our platform. We do not accept bills submitted via email, messenger, or any other method. In some cases, we may require login information for your billing account to verify details or to complete the payment on your behalf. If a bill is uploaded after 7:00 PM Pacific Time on a business day, or at any time on a non-business day, it will be reviewed and processed within three to five business days. “Business days” refer to working days in the state of California.

Once a bill is approved and your installment payments (Pay-in-4) are received, we will submit payment to your biller within three to five business days. Please note that additional time may be required for your biller to receive or clear the payment. This is especially true for payments made by mailed checks, which may experience delays—particularly around holidays.

It is your responsibility to ensure there is enough time between uploading your bill and its due date. You are solely responsible for any late fees or penalties if the bill is not paid on time. We do not guarantee when your biller will receive or clear the payment and are not liable for any delays or fees, provided payment was made within the stated timeframe.

If your bill requires online payment and the biller charges additional processing fees, those fees will be added to the total bill amount.

Payments

We will automatically charge payments made on your behalf directly to your nominated payment source in accordance with your payment schedule. You hereby expressly consent to, authorize, and instruct us to deduct the amount or pre-set amounts from your nominated payment source for the amounts owing on the relevant dates.

If you have missed a payment, you authorize us to attempt to process this payment again on any payment source linked in your account later date at our sole discretion.

You are responsible for ensuring that you have sufficient funds in your nominated payment source or the underlying account which funds that nominated payment source. You are responsible for ensuring that you have available funds to make payments. You are liable for any fees or charges imposed by your bank for any payments we attempt to process in accordance with these terms and conditions.

If we need to contact you regarding amounts you owe on your account, you authorize us and any of our subcontractors or agents we may use, to contact you at any phone number or email address you provide or from which you contact us. You consent to be contacted in any way such as texting, emailing, calling, sending mobile application push notifications, or using any other method of communication permitted by law and to contact you on a mobile, wireless, or similar device, even if you are charged for it. You consent to be contacted using an automated dialer or pre-recorded messages.

Payment Agreement

  • Payment Schedule

    The first and second installment payments are due at the time of the initial transaction. Users are responsible for ensuring that sufficient funds are available in their chosen payment method to complete this transaction. The remaining two installments will follow the schedule outlined in your PayLaterr account.

  • Payment Methods

    Users may select from approved payment methods, including debit cards, credit cards, or linked bank accounts. It is the user's responsibility to update their payment method before the due date of any remaining installments.

  • Early Payments

    Users may choose to pay their remaining installments early without penalty. Early payments do not affect the schedule of subsequent installments.

  • Communication and Notifications

    PayLaterr will send reminders for upcoming due dates via email, SMS, or app notifications. It is the user’s responsibility to ensure that their contact information is up to date.

  • Disputes and Errors

    Users who identify errors in their payments should contact PayLaterr support within 7 days of the payment date to resolve the issue. Refunds or adjustments, if applicable, will be processed per PayLaterr’s refund policy.

  • Changes to Terms

    PayLaterr reserves the right to update these Terms of Use at any time. Users will be notified of changes via email or app notification, and continued use of PayLaterr constitutes acceptance of the updated terms. For questions or concerns, please contact us at support@paylaterr.com.

Payment Default

If we pay your bills and you default immediately afterwards, we reserve the right to reverse the payment. This means:

  • We may withdraw the funds from the recipient's account.
  • The original bill will be reinstated as unpaid.
  • You will be responsible for any fees or consequences resulting from the reversed payment.
  • We reserve the right to pursue legal action to recover debts, which may include but is not limited to filing lawsuits or seeking wage garnishment.
This policy helps us protect against fraudand ensures the integrity of our bill payment services. We strongly encourage all users to maintain sufficient funds in their accounts to cover scheduled payments.

Collection Agency Services

In the event of unpaid balances, we reserve the right to engage third-party collection agencies to recover outstanding debts on our behalf.

We may report delinquent accounts to credit bureaus, which could affect your credit score.

By agreeing to these terms, you consent to receive communications from us or our authorized agents regarding unpaid debts through various means, including phone, email, or postal mail.

PayLaterr Bill Payment Risk

1. Due to higher default rates among new customers, PayLaterr may require an additional upfront installment to reduce the risk associated with covering your bill. This measure helps ensure that PayLaterr can continue to offer flexible payment options while managing potential financial risks.

2. If you're considered a higher risk based on our assessment, PayLaterr may ask you to pay an additional installment before we cover your bill.

3. If you are unable to make the additional installment, we encourage you to contact our customer service team to discuss other payment arrangements that may be available.

4. PayLaterr regularly reviews its risk assessment policies to adapt to changes in customer behavior and default trends. We aim to balance risk management with providing fair and flexible payment options for all our customers.

Pre-authorization of a Payment Source

We reserve the right to conduct a pre-authorization of a nominated payment source. This may involve placing funds in the account linked to your nominated payment source on hold each time you attempt to submit a new deferral or add a new card to your account. We promptly instruct your bank to void this pre-authorization transaction. We cannot guarantee the time it takes for your bank to process this action by us and make your funds available.

Refunds

PayLaterr Return Policy for Household Bills
At PayLaterr, we understand that circumstances can change. However, due to the nature of our service – paying for essential household bills – our return policy is necessarily limited. Please read this policy carefully.

  • Bill Payments:

    Once a bill payment has been processed, it cannot be returned or refunded.

    This is because the payment has already been sent to the utility company or service provider.

  • Service Cancellation:

    You may cancel your PayLaterr service at any time.

    Cancellation will prevent future bills from being processed but will not affect payments already made.

  • Billing Errors:

    If you believe there's an error in a bill payment, contact us within 30 days of the payment date.

    We will investigate and, if we confirm an error on our part, we will rectify it and refund any overcharges.

  • Fraudulent Transactions:

    If you suspect fraudulent activity on your account, contact us immediately.

    We will investigate and, if fraud is confirmed, we will work with you to resolve the issue and refund fraudulent charges.

  • Accidental Payments:

    If you accidentally pay a bill twice through our service, contact us within 48 hours.

    We will attempt to stop the second payment if it hasn't been processed. If it has, we'll work with you and the biller to resolve the overpayment.

  • Dissatisfaction with Service:

    If you're unsatisfied with our service, please contact our customer support team.

    While we can't refund payments made to billers, we may offer credit towards future use of our service, depending on the circumstances.

  • Refund Processing:

    If a refund is approved, please note that it may take between 30 to 90 days to be fully processed and reflected back to your original payment method. This timeframe may vary depending on the nature of the transaction, your financial institution, and the specifics of your case. We appreciate your patience and understanding. For any questions or updates regarding your refund, please contact our support team at support@paylaterr.com

Eligibility, Approvals, Verification, Checks and Deposits

To be eligible to use the Services, you must be at least of the age of legal majority where you live (which is currently 18 years old, in most jurisdictions) and a legal resident of the United States or its territories. You represent and warrant that you are eligible to use the Services.

The PayLaterr Pay in 4 feature is available to residents of all states except: Delaware, Idaho, Indiana, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Rhode Island, South Dakota, Washington, and Wisconsin.

All validly submitted memberships to use our Platform are subject to our internal approval criteria, as amended from time to time. We may choose not to approve you based on our risk assessment checks. If your account or bill is denied, you will be notified promptly. If your bill due date is within or shortly after this timeframe, we are not responsible for any late fees you may incur if you consequently fail to pay your biller in a timely manner. Without limiting the foregoing, we may make such risk determinations when you request to start your membership, when you request an additional Service, when you attempt to make a bill upload to the Platform, and/or at any other time that we deem appropriate in our sole discretion. We may close, suspend, restrict, or limit your account and/or your use of or ability to obtain Services in our sole discretion at any time for any reason.

Each bill you submit is also assessed according to our eligibility criteria. We may choose not to approve a bill at our sole discretion. If you have any overdue payments with us, we will not approve any further bills for payment on your behalf.

If you are using PayLaterr Pay in 4, we charge your first payment before paying your bill as part of our approval process and our assessment as to whether you have the capability to fulfil your obligation to make future payments to us.

We reserve the right to verify your identity and credit worthiness. You authorize us to make, directly or through third parties, any inquiries we consider necessary to verify your identity and assess your capability to make payments to us. For credit worthiness, this may include ordering a credit report, performing other payment capability checks, and verifying information you provide against third party databases. We will only obtain consumer reports that do not impact your credit score and do not leave a hard inquiry on your credit report.

All information that we collect about you will be used and stored in accordance with our Privacy Policy.

You authorize us (or any third parties providing services on behalf of us) to disclose to third parties, to the extent required by any applicable laws or regulations, any information in relation to you or your account.

You acknowledge and consent that PayLaterr may report information from your account (such as on-time, missed or late payments, any defaults or that you paid your bill through PayLaterr to credit reporting agencies. This may be reflected in your credit report.

YOUR USE OF PAYLATERR Inc

Promise to pay.

By using our Services, you (as the registered account holder) provide us with unconditional and irrevocable consent and direction to pay the bill issuer in consideration for your agreement and obligation to pay us, together with any additional applicable fees. While we do not impose late fees, if you fail to timely (i) make your bill payments as per your schedule, or (ii) pay the Membership Fee, you acknowledge that you have failed to pay us.

Agreement to Provide Accurate Information

When you provide information to PayLaterr or in connection with the Services, you agree to provide only true, accurate, current, and complete information about yourself.

Responsible for Fees

You, as the registered account holder, are responsible for any fees on the account.

Payment Methods

You may use one of the acceptable methods of payment set forth in our Platform.

Access to Your Account

You are responsible for maintaining the secrecy of the login credentials to your PayLaterr account.

Website & App Content

Information on the PayLaterr website and in the PayLaterr App is for information purposes only. We do not make any promises as to its completeness, timeliness, or accuracy. The information and materials contained on the Website and in this Agreement are subject to change without notice.

Access to the Services

Access to the Services may from time to time be unavailable, delayed, limited, or slowed due to certain factors which may be outside of our control.

MISCELLANEOUS PROVISIONS

Disputes with PayLaterr

THIS SECTION CONTAINS A BINDING ARBITRATION CLAUSE AND CLASS ACTION/JURY TRIAL WAIVER. THEY AFFECT EACH PARTY’S RIGHTS CONCERNING THE RESOLUTION OF ANY DISPUTE (DEFINED BELOW) BETWEEN THE PARTIES. This dispute resolution section applies to general disputes between you and PayLaterr. Any dispute regarding a PayLaterr transaction is governed by the specific governing PayLaterr transaction document. To the extent of any conflict in dispute resolution terms, the subsequent in time transaction document will control.

To expedite the resolution and cost of any dispute between you and us arising from or relating to your use or inability to use the Services and generally with respect to PayLaterr, this Agreement or the enforcement of any provision of this Agreement (a “Dispute”), you and we agree to first attempt to on an informal basis negotiate any Dispute (except those Disputes expressly excluded below) for at least thirty (30) days before initiating any arbitration or court proceeding. These informal negotiations will only commence upon receipt of a written notice (each, a “Notice”). Such Notices will be sent by mail to your most recent address provided to us in connection with your account, or by email to the electronic mail you have on file with us. Our address for such notices is: PayLaterr, 5900 Wilshire Blvd Los Angeles CA 90036 or by email to info@paylaterr.com Any Notice from you must include your name, relevant account information, a brief description of the Dispute, and your contact information so that we may evaluate the Dispute and begin attempts to informally resolve the Dispute with you. Any Notice from us will include relevant account information, a brief description of the Dispute, and our contact information, so that you may also evaluate the Dispute and attempt to informally resolve the Dispute with us. No further action is necessary if the informal negotiations are successful.

IF THE PARTIES ARE UNABLE TO RESOLVE A DISPUTE THROUGH INFORMAL NEGOTIATIONS, THE PARTIES AGREE THAT EITHER YOU OR WE MAY ELECT TO HAVE THE DISPUTE (EXCEPT THOSE DISPUTES EXPRESSLY EXCLUDED BELOW) FINALLY AND EXCLUSIVELY RESOLVED BY BINDING ARBITRATION. ANY ELECTION TO ARBITRATE BY ONE PARTY WILL BE FINAL AND BINDING ON THE OTHER. YOU UNDERSTAND THAT IF EITHER PARTY ELECTS TO ARBITRATE, NEITHER PARTY WILL HAVE THE RIGHT TO SUE IN COURT OR HAVE A JURY TRIAL. The arbitration will be commenced and conducted as per the Commercial Arbitration Rules (the “JAMS Rules”) of the Judicial Administration Mediation Service (“JAMS”) and, where appropriate, the JAMS’s Supplementary Procedures for Consumer Related Disputes (“JAMS Consumer Rules”), both of which are available at the JAMS website www.jamsadr.com. The Federal Arbitration Act will govern whether a Dispute is subject to arbitration, and it will be determined by a court rather than an arbitrator. Your arbitration fees and your share of arbitrator compensation will be governed by the JAMS Rules (and, where relevant, limited by the JAMS Consumer Rules). We will pay all arbitration fees and expenses if such costs are determined by the arbitrator to be excessive. The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will decide in writing but need not provide a statement of reasons unless requested by a party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except as otherwise provided in this Agreement, you and we may litigate in court to compel arbitration, stay proceeding pending arbitration, or confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.

The parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (1) any suit to compel arbitration, stay proceeding pending arbitration, or confirm, modify, vacate, or enter judgment on the award entered by the arbitrator; (2) any suit to seek temporary injunctive relief that will remain in place only until an arbitrator can determine whether the relief should be continued, modified, or removed; or (3) any claim related to actual or threatened infringement, misappropriation, or violation of a party’s copyrights, trademarks, trade secrets, patents, or other intellectual property rights. In addition, either party may assert claims, if they qualify, in small claims court in Los Angeles County, California or any United States county where you work or live.

The parties agree that any arbitration will be limited to the Dispute between us and you individually. TO THE FULL EXTENT PERMITTED BY LAW, (1) NO ARBITRATION SHALL BE JOINED WITH ANY OTHER; (2) THERE IS NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE ARBITRATED ON A CLASS-ACTION BASIS OR TO UTILIZE CLASS-ACTION PROCEDURES; AND (3) THERE IS NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE BROUGHT IN A PURPORTED REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC OR ANY OTHER PERSONS.

Arbitration will take place in Los Angeles, CA. The parties agree that for any Dispute not subject to arbitration (other than claims proceeding in any small claims court), or where no election to arbitrate has been made, the state and federal courts located in California have exclusive jurisdiction and the parties agree to submit to the venue the personal jurisdiction of such courts.

You may opt out of the foregoing arbitration clause and class action/jury trial waiver provision of this Agreement by NOTIFYING US IN WRITING WITHIN 30 DAYS OF THE DATE YOU LAST PLACED AN ORDER. To opt out, you must send a written notification to us at info@PayLaterr.com with Attention: Legal. The notification must also include (i) your account identification; (ii) your name; (iii) your address; (iv) your telephone number; (v) your email address; and (vi) a clear statement indicating that you do not wish to resolve claims through arbitration and demonstrating compliance with the 30-day time limit to opt out of the above arbitration and class action/jury trial waiver sections.

Governing Law and Jurisdiction

Except as expressly provided otherwise, this Agreement is governed by, and will be construed under, the laws of the State of California, without regard to choices of law principles. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded. Judicial proceedings (other than small claims actions) that are excluded from the agreement to arbitrate in Section 12 must be brought in state or federal court in or closest to Los Angeles, California unless both parties to some other location. You and we both agree to waive the right to a jury trial and consent to venue and personal jurisdiction in Los Angeles, California.

Limitation of Liability

To the full extent permitted by law, under no circumstances shall we, our subsidiaries, officers, directors, owners, employees, partners, affiliates, or agents be liable to you for: (i) personal injury or any indirect, incidental, consequential, special, or exemplary damages, arising from or relating to this Agreement, the use of or inability to use an account, the Services, or our or your liabilities to third parties arising from any source; or (ii) except as required under applicable law, any indirect, incidental, consequential, special, or exemplary damages, arising from or relating to the conduct of you or anyone else in connection with the use of an account or the Services, including, but not limited to, damages arising from your failure to provide us with accurate information or a third party’s failure to correctly verify such information. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY. AS SUCH, SOME OF THIS SECTION MAY NOT APPLY TO YOU. You agree that if any lawsuit or court proceeding is permitted under this Agreement, the aggregate liability of us and our subsidiaries, officers, directors, owners, employees, partners, affiliates, agents to you for all claims arising out of or related to this Agreement or your use or inability to use the Services will not (other than as may be required by applicable law in cases involving personal injury) exceed the greater of: (i) the amount you owe on any affected order(s) giving rise to such damages; or (ii) the amount of six hundred U.S. dollars ($500.00). These limitations will apply even if the above stated remedy fails of its essential purpose.

Indemnity

You agree to release, indemnify, and hold harmless us, our subsidiaries, officers, directors, owners, employees, partners, affiliates, and agents from and against any liabilities, claims, losses, damages, and expenses, including without limitation reasonable legal and accounting fees, arising out of or in any way related to: (i) your access to, use of, or inability to use your account or the Services; (ii) your breach or alleged breach of this Agreement; (iii) your violation of any rights of a third party, including but not limited to any negligent or willful misconduct of your employees, contractors, or agents, or a breach of any contracts or other relationships between you and third parties; (iv) your violation of any applicable law; or (v) your failure to provide and maintain true, accurate, current, and complete information in your account. You shall cooperate as fully as reasonably required in the defense of any such claim. PayLaterr reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You agree not to settle any matter without the prior written consent of PayLaterr. To avoid any doubt, this indemnification, defense and hold harmless obligation will survive these Terms and the termination of your use of the Services.

Disclaimer of Warranty

PAYLATERR Inc AND ITS SUBSIDIARIES, OFFICERS, DIRECTORS, OWNERS, EMPLOYEES, PARTNER, AFFILIATES, AND AGENTS MAKE NO COMMITMENTS OR WARRANTIES ABOUT (i) THE CONTENT, RELIABILITY, OR AVAILABILITY OF THE SERVICES; OR (ii) THE ACCURACY, RELIABILITY, OR COMPLETENESS OF THE CONTENT ON THE WEBSITE, APP, OR SERVICES. PAYLATERR Inc AND ITS SUBSIDIARIES, OFFICERS, DIRECTORS, OWNERS, EMPLOYEES, PARTNER, AFFILIATES, AND AGENTS DISCLAIM, WITHOUT LIMITATION, ANY WARRANTY OF ANY KIND WITH RESPECT TO THE SERVICES, INCLUDING ANY WARRANTY REGARDING NON- INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. PAYLATERR Inc AND ITS SUBSIDIARIES, OFFICERS, DIRECTORS, OWNERS, EMPLOYEES, PARTNER, AFFILIATES, AND AGENTS SHALL NOT BE RESPONSIBLE FOR ANY SERVICE INTERRUPTIONS, INCLUDING, BUT NOT LIMITED TO, SYSTEM FAILURES OR OTHER INTERRUPTIONS THAT MAY AFFECT THE RECEIPT, PROCESSING, ACCEPTANCE, COMPLETION, OR SETTLEMENT OF BILL PAYMENT TRANSACTIONS OR THE SERVICES.

General

No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used in this agreement are for convenience only and shall not be given any legal meaning. You agree that the Terms will not be construed against PayLaterr by virtue of having drafted them.

All content, design, graphics, compilation, magnetic translation, digital conversion, and other matters to the Services are protected under applicable copyrights, trademarks, and other proprietary rights (including but not limited to intellectual property rights) and owned by PayLaterr Inc or one of its affiliates. Unless expressly permitted in this Agreement, the following activities are strictly prohibited: the copying, redistribution, use, or publication by you of any part of the Services. Use of the Services does not give you ownership of any intellectual property rights in any of the content, documents, or other materials you access. The posting of information or materials on the Services does not constitute a waiver of any right in such information and materials.

“PayLaterr” is the marketing name for certain financial services activities of PayLaterr as operator of the Services. “PayLaterr” is a trademark of PayLaterr. Other featured words or symbols may be the trademarks of their respective owners.

If any provision of this Agreement is found to be invalid, it may be severed, and the remaining provisions will continue to be effective.

We have partnered with Mercury an FDIC-insured California state-chartered bank, as our bank partner to offer certain portions or features of the Services. PayLaterr Inc holds a bank account with the benefit of your use of our Services.

You and PayLaterr both agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Services or the Terms must be filed within ONE (1) YEAR after such claim or cause of action arose or be forever barred.

This Agreement is between you and PayLaterr. No user has any rights to force PayLaterr to enforce any rights it may have against you or any other user.

For customer support please email us at info@paylaterr.com We aim to get back to all enquiries within 24 business hours.

PayLaterr E-Sign Consent Agreement

Consent to Electronic Communications

By using our services, you are deemed to have accepted this Agreement electronically. You have indicated that you wish to receive and sign the documents relating to your account or the Services with us electronically. We are required by law to give you certain information “in writing” – which means that you are entitled to receive it on paper. We need your consent to provide you with this information electronically, instead. We also need your general consent to use electronic records and signatures in our relationship with you.

In this Consent, the words “we,” “us,” and “our” means PayLaterr. The words “you” and “your” means the person giving consent. “Communications” means all records, disclosures, and notices related to your account or the Services or other information we provide to you or that you sign, submit, or agree to at our request.

Your Consent: You agree that any of the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form. We may also use electronic signatures and obtain them from you on any Communication.

All Communications that we deliver to you in electronic form will be delivered either (1) via e-mail; or (2) by your accessing a website that we will designate in an e-mail, text message, or other electronic notice we send to you at the time the information is available. We will establish security procedures that you will have to follow to access the website.

We may always, in our sole discretion, provide you with any Communications on paper, even if you have authorized electronic delivery. Sometimes the law, or our agreement with you, requires you to give us a written notice. You must still provide these notices to us on paper, unless we tell you how to deliver the notice to us electronically.

How to Withdraw Consent: You can withdraw your consent to receive Communications electronically at any time by contacting us at info@PayLaterr.com with “Revoke Electronic Consent” in the subject line. A withdrawal of your consent to receive electronic Communications will be effective only after we have had a reasonable period to process your withdrawal. If you fail to provide or if you withdraw your consent to receive Communications electronically, PayLaterr Inc reserves the right to restrict, deactivate, or close your account.

How to Update your Contact Information: It is your responsibility to provide us with an accurate and complete e-mail address and other contact information, and to maintain and update promptly any changes in this information. You can update your contact information at any time in your account portal or by contacting our customer hero team by clicking here.

Hardware and Software Requirements: To receive electronic Communications, you must have access to:

  • a) A Current Version (defined below) of Internet Explorer, Edge, Chrome, Safari, or Firefox.

  • b) A connection to the internet.

  • c) A Current Version of a program that accurately reads and displays PDF files; and

  • d) A device (e.g., a computer, tablet, cell phone, etc.) and an operating system capable of supporting all the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form.

  • e) You must also have an active email address and an active cell number for text messaging.

By “Current Version,” we mean a version of the software that is currently being supported by its publisher. We reserve the right to discontinue support of a Current Version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use with our services.

If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain electronic Communications, we will give you notice of the revised hardware or software requirements. Continuing to use this service after receiving notice of the change is reaffirmation of your consent.

Requesting Paper Copies: We will not send you a paper copy of electronic Communications unless you request it, or we otherwise deem it appropriate to do so. You can obtain a paper copy of any Communication we provide to you electronically by printing it yourself or by requesting that we mail you a paper copy. Requests for paper copies must be made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact us at info@PayLaterr.com There is no charge associated with requesting a paper copy of a Communication we sent you electronically.

Retain Copies: We encourage you to print or download for your records a copy of all electronic Communications, as well as this consent disclosure and any other document that is important to you.

Termination/Changes: We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

By clicking to accept this Agreement, you are consenting to receive Communications electronically. You are also confirming that you have the hardware and software described above, that you can receive and review electronic records, and that you have an active email account and/or a cellphone number for SMS messaging and the ability to access and view PDF files. You are also confirming that you are authorized to, and do, consent on behalf of all your co-applicants and/or co-owners of any product or service we provide to you.

Short Message Service (“SMS”) Communications

If you choose to open an account, PayLaterr may send you SMS messages. You agree to receive SMS messages to each telephone number provided by you to PayLaterr, regardless of whether such telephone number is on a corporate, state, or federal do-not-call registry. You certify, represent, and warrant that the telephone number that you have provided to us is your number and not someone else’s. You represent that you are permitted to receive SMS messages at the telephone number you have provided to us. You agree to notify us whenever you stop using a particular telephone number previously provided by you to PayLaterr.

Any such SMS messages sent to you by PayLaterr will be to verify your phone number or to verify any upcoming or overdue payments associated with the Extended Repayment Feature. PayLaterr will not send you advertisements or marketing-related SMS messages. You understand that such SMS messages may be placed using an automatic telephone dialing system or may include automated SMS messages. You agree that you are responsible for any message, data rates, or fees that your telephone service provider charges in relation to SMS messages sent and received by you. Please contact your wireless carrier if you have any questions regarding those rates.

By entering your cell number, you agree to receive text messages for service notifications and verification codes from PayLaterr. Message frequency will vary. Standard message and data rates may apply and you can reply STOP to unsubscribe. Carriers are not liable for delayed or undelivered messages.