Terms and Conditions

Last updated: April 2026

1. Acceptance of Terms

By accessing or using the services provided by SPARE PAYMENTS LLC ("Company," "we," "us," or "our"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.

2. Services

SPARE PAYMENTS LLC provides financial consulting and related services. All services are subject to availability and may be modified or discontinued at any time without prior notice.

3. Eligibility

You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you meet this requirement.

4. User Responsibilities

You agree to provide accurate and complete information when using our services. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

5. Privacy

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

6. SMS/Text Messaging Terms

By opting in to receive SMS/text messages from SPARE PAYMENTS LLC, you agree to the following:

• You consent to receive recurring promotional and marketing text messages from SPARE PAYMENTS LLC.
• Message frequency may vary, up to 4 messages per month.
• Message and data rates may apply. Check with your carrier for details.
• You may opt out at any time by replying STOP to any message.
• For help, reply HELP to any message or contact us at our website.
• Consent to receive text messages is not a condition of any purchase.
• Messages may be sent using an automated telephone dialing system (ATDS).

7. Intellectual Property

All content, trademarks, and intellectual property on our website are owned by or licensed to SPARE PAYMENTS LLC. You may not reproduce, distribute, or create derivative works without our prior written consent.

8. Limitation of Liability

SPARE PAYMENTS LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which SPARE PAYMENTS LLC is registered.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services constitutes acceptance of the modified Terms.

11. Contact Information

If you have questions about these Terms and Conditions, please contact us through our Contact page.