By accessing or using the website of Say Yes Now Pay Later Inc. at https://www.sayyesnow.lol, you agree to be bound by these Terms of Service and by our Privacy Policy. If you do not agree with any part of these terms, you should not use our website or services. Acceptance includes your decision to browse the site, to submit a contact message, to request a merchant integration, or to apply for an installment payment plan.
These terms form a legal agreement between you and Say Yes Now Pay Later Inc. Please read them carefully before using our services. We may update these terms from time to time, and continued use after an update means you accept the revised terms.
The services described on this website are provided by Say Yes Now Pay Later Inc., a company engaged in computer integrated systems design and related professional, scientific and technical services. Our registered address is 39 Mark Lane, Mitchell - R5G 2M5, Canada (CA). Our contact email is talk@sayyesnow.lol and our phone number is +14759778853.
References in these terms to we, us or our mean Say Yes Now Pay Later Inc. References to you mean the person using the website or services. The website is operated for the benefit of shoppers and merchants who wish to enjoy a simple, honest buy now pay later experience.
Our platform provides buy now pay later installment services and merchant payment tools. For shoppers, we allow an eligible purchase to be split into four even payments. For merchants, we provide checkout integration, instant approval decisions, repayment scheduling, settlement and reporting, and buyer support.
The full range of our capabilities is described on the Services page of this website. The specific terms that apply to a given plan or merchant arrangement may be set out in a separate agreement or communicated at the checkout. Where a separate agreement exists, it controls to the extent it does not conflict with these terms. In the absence of a separate agreement, these terms govern your use of the services.
To use our installment services, you must be of legal age to enter into a binding agreement in your place of residence, and you must provide accurate and complete information when required. We may verify your identity, your contact details and your ability to meet payment obligations before approving any plan.
Our services are not offered to minors, and we do not allow the use of our platform by anyone who misrepresents their identity or their financial circumstances. We reserve the right to refuse service to any person for a lawful reason, including where we cannot verify eligibility or where using the service would violate the law.
When you apply for an installment plan, we evaluate your request and decide whether to approve it. An approved plan splits the purchase total into four equal payments. The first payment is due at the point of checkout, and the remaining three are due on a schedule we set out clearly at the time of approval.
The total amount of your purchase, the number of payments, the amount of each payment and the due dates together form the installment agreement. We encourage you to review these details before confirming your plan. Once you confirm, the plan becomes binding in accordance with these terms. You should keep a copy of the plan details for your own records, because they are the record of what you agreed to and the schedule you promised to follow.
Each payment in your plan is due on the date shown in your schedule. We will attempt to collect each payment using the payment method you provided at checkout. You agree to keep a valid and current payment method on file for the duration of your plan.
If a payment fails on its due date, we will notify you and may attempt to collect the amount again. Late payments may be subject to the steps described in the prohibited conduct section, and repeated non payment may result in the suspension of your ability to use our services. You are not relieved of your obligation to pay because of a collection notification.
You can always view the status of your plan and the date of your next payment. If you wish to pay the remaining balance early, you may do so at any time and no extra charge will apply from us. Early payment closes the plan early and removes the remaining due dates from the ledger.
Merchants who connect their checkout to our platform agree to present our installment option accurately, to honor approved plans, and to provide truthful information about orders and transactions. Merchants must ensure that their integration does not misrepresent the cost, the payment schedule or any other material detail to shoppers.
We settle funds to the merchant account according to the schedule agreed at onboarding. Merchants are responsible for the accuracy of the settlement details they provide and for reconciling their orders in their own systems. Specific merchant terms, fees and settlement schedules are set out in the merchant agreement entered into at onboarding.
Some features of our platform may require you to create an account. You are responsible for safeguarding your account credentials and for all activity that occurs under your account. You agree to notify us immediately if you suspect unauthorized use of your account.
You must provide accurate information when setting up or updating your account. We may close or suspend an account if we reasonably believe the information is inaccurate, if the account is used in breach of these terms, or if the account poses a security or fraud risk. Keeping your details current and your password protected are simple steps that protect both of us.
All installment approvals are discretionary and are made by our automated engine based on the information available at the time. We do not guarantee that any application will be approved, and approval of a previous plan does not obligate us to approve a future plan.
We may decline an application for a lawful reason, including insufficient information, an inability to verify identity, risk signals identified by our fraud prevention systems, or a concern about capacity to repay. Declining an application does not create any liability to you, and it does not affect your rights in respect of other matters.
You agree to use our services only for lawful purposes and to provide accurate information. You agree to honor your payment schedule and to keep your payment method current. You agree not to attempt to interfere with the operation of our platform or to access it through means other than the interfaces we provide.
You are responsible for deciding whether an installment plan suits your circumstances. Buy now pay later products are a credit arrangement and you should ensure you can make the required payments on time. We encourage responsible use of installment payment services.
It is your responsibility to keep the contact details we hold for you accurate so that notices and payment reminders reach you. It is also your responsibility to raise any question about your plan promptly, because we resolve issues far more easily while the plan is still active than after it has been closed. A short note to our desk is all it takes, and we will come back to you with a clear answer.
You may not use our services in a way that is unlawful, fraudulent, deceptive or harmful. You may not attempt to gain unauthorized access to our systems, to another person account, or to the systems of our service providers. You may not interfere with the proper working of the platform or attempt to circumvent its security features.
You may not provide false information in an application, abuse the refund process, or collude with merchants to obtain an improper benefit. You may not attempt to reuse a plan for a purchase it was not intended to cover. We monitor for suspicious conduct and may suspend access where we reasonably detect abuse.
The content of our website, including text, graphics, logos, page designs and the overall appearance of the interface, is the property of Say Yes Now Pay Later Inc. or its licensors and is protected by applicable intellectual property laws. You may view and print pages for personal, non commercial use only.
You may not reproduce, distribute, modify, transmit or create derivative works from our content without our prior written permission, except where otherwise permitted by law. Brand names, trade names and logos used on our site may not be used without authorization.
Your use of our services is subject to our Privacy Policy, which is incorporated into these terms by reference. We encourage you to read the Privacy Policy carefully. It explains what information we collect, how we use it, how we protect it and what rights you have in relation to your personal information.
By using our services, you confirm that the personal information you provide is accurate and that we may process it in line with the Privacy Policy. If there is any conflict between these terms and the Privacy Policy, the Privacy Policy controls in respect of the handling of personal information.
To the fullest extent permitted by law, Say Yes Now Pay Later Inc. shall not be liable for any indirect, incidental, special, consequential or punitive damages, including loss of profits, loss of data, loss of goodwill or interruption of business, arising out of or in connection with the use or inability to use our services.
Our total aggregate liability for all claims arising out of or relating to these terms or our services shall not exceed the amount you have paid for the specific service giving rise to the claim, or one hundred dollars, whichever is greater. Nothing in these terms limits liability that cannot be limited by law.
Our services are provided on an as is and as available basis, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose and non infringement. We do not warrant that the services will be uninterrupted, error free or completely secure.
We do not warrant that installment approvals will be granted or that any particular outcome will result from your use of the services. You use the services at your own discretion and risk. Where we are required by law to provide a warranty, our provision of the service is subject to that law and any rights you hold under consumer protection legislation remain unaffected by these terms.
You agree to indemnify and hold harmless Say Yes Now Pay Later Inc., its officers, employees, agents and service partners from and against any claims, liabilities, damages, losses and expenses, including reasonable legal fees, arising out of or in connection with your use of the services, your breach of these terms, or your violation of any law or the rights of any third party.
The indemnity survives the termination of these terms and continues to apply in respect of events that occurred while you used the services. This section applies to the fullest extent permitted by applicable law.
We may suspend or terminate your access to our services at any time, with or without notice, where we reasonably believe you have breached these terms, where required by law, or where continued access would pose a security or fraud risk. Suspension does not relieve you of any payment obligations that have already accrued.
You may stop using our services at any time, and you may terminate an agreement with us by completing any outstanding payment obligations and notifying our desk. On termination, we will stop providing the services subject to any statutory requirements and to any obligations that survive termination.
We may revise these Terms of Service from time to time to reflect changes in our services, in the law or in our business practices. We will update the effective date at the top of this page when we make a change, and for material changes we will provide reasonable notice on our website.
Your continued use of our services after a revised version takes effect constitutes your acceptance of the revised terms as they apply to your use going forward. We encourage you to review these terms periodically so you are aware of the current rules that govern your use. If you do not agree with a revised version, your option is to stop using the services rather than to assume the revised terms apply to you against your wishes.
These terms are governed by and construed in accordance with the laws of the province in which we operate in Canada, without regard to its conflict of law principles. You agree that any dispute arising out of or relating to these terms or to your use of the services shall be resolved in the competent courts of that jurisdiction.
If any provision of these terms is found to be unlawful, void or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions. The failure of either party to enforce a right shall not be deemed a waiver of that right. A single missed deadline will not be treated as giving up that right forever, and any relaxation we grant in one case will not oblige us to grant the same in another.
If you have any questions about these Terms of Service or about your use of our services, please contact our desk. We are glad to help clarify how our services work and what the terms mean in practice. You can reach us by email at talk@sayyesnow.lol or by phone at +14759778853.
Our registered address is Say Yes Now Pay Later Inc., 39 Mark Lane, Mitchell - R5G 2M5, Canada (CA). When you contact us, please describe your question clearly so that our team can give you a helpful and complete answer. We value your feedback and we use it to keep our terms and our services clear and fair for everyone.
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