Last Updated: April 3, 2026
Welcome to SPARE PAYMENTS LLC. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.
1. Use of Our Website
Eligibility
You must be at least 18 years old and authorized to represent a business entity to use our services. By using our website, you represent and warrant that you meet these eligibility requirements.
Permitted Use
You may use our website for lawful purposes only. You agree not to:
- Violate any applicable laws or regulations
- Infringe on the intellectual property rights of others
- Transmit any harmful, fraudulent, or misleading content
- Attempt to gain unauthorized access to our systems or networks
- Interfere with or disrupt our website or services
- Use automated systems to access our website without our express permission
2. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of SPARE PAYMENTS LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.
3. SMS Terms & Conditions
If you opt-in to receive text messages from SPARE PAYMENTS LLC, the following additional terms apply:
Program Description: By providing your mobile phone number and consenting to receive SMS/MMS messages, you agree to receive recurring marketing and promotional messages from SPARE PAYMENTS LLC about our financial products and services. Messages may be sent using an automated telephone dialing system (ATDS).
Message Frequency: Message frequency varies. You may receive up to 4 messages per month, though the frequency may change based on your account activity and our promotional campaigns.
Message and Data Rates: Message and data rates may apply. Standard messaging charges from your wireless carrier will apply to all SMS/MMS messages sent and received. Please consult your mobile service provider for details on your specific plan.
Opt-In and Consent: You expressly consent to receive these messages by checking the opt-in box on our contact form and submitting your contact information. Consent is NOT a condition of purchasing any goods or services from SPARE PAYMENTS LLC.
Opt-Out Instructions: You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. After you send STOP, we will send you a confirmation message and you will no longer receive messages from us unless you opt back in by re-subscribing through our website.
Help: For help or more information, reply HELP to any message or contact us at dontra@spare-payments.com.
Carrier Compatibility: Our SMS program is available on most major U.S. carriers, including AT&T, Verizon, T-Mobile, Sprint, and others. Message delivery is subject to carrier limitations and we are not liable for delayed or undelivered messages.
Privacy: We respect your privacy. Your mobile phone number and SMS opt-in information will not be shared with third parties for their marketing purposes. Please refer to our Privacy Policy for more information about how we collect, use, and protect your information.
4. Financing Applications and Services
Application Process
When you submit an application for financing, you authorize us to obtain and review credit reports, financial statements, and other information necessary to evaluate your application. All applications are subject to our underwriting criteria and approval.
No Guarantee of Approval
Submitting an inquiry or application does not guarantee approval for financing. We reserve the right to approve or deny any application at our sole discretion.
Accuracy of Information
You agree to provide accurate, current, and complete information in all applications and communications with us. Providing false or misleading information may result in denial of your application and termination of any existing agreements.
5. Disclaimers and Limitations of Liability
No Warranties
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
Limitation of Liability
To the fullest extent permitted by law, SPARE PAYMENTS LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:
- Your use or inability to use our website or services
- Any unauthorized access to or use of our servers or any personal information stored therein
- Any interruption or cessation of transmission to or from our website
- Any bugs, viruses, or other harmful code transmitted through our website by any third party
- Any errors or omissions in any content or for any loss or damage incurred as a result of your use of any content posted, emailed, transmitted, or otherwise made available through our website
6. Indemnification
You agree to indemnify, defend, and hold harmless SPARE PAYMENTS LLC, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of our website or services, your violation of these Terms, or your violation of any rights of another party.
7. Third-Party Links
Our website may contain links to third-party websites or services that are not owned or controlled by SPARE PAYMENTS LLC. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any such third-party content or services.
8. Modifications to Terms
We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of our website after such modifications constitutes your acceptance of the updated Terms.
9. Modifications to Services
We reserve the right to modify, suspend, or discontinue any aspect of our website or services at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of our services.
10. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising out of or relating to these Terms or your use of our website shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction.
11. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be deemed modified to the extent necessary to make it valid and enforceable.
12. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and SPARE PAYMENTS LLC regarding your use of our website and services and supersede all prior agreements and understandings.
13. Contact Information
If you have any questions about these Terms, please contact us:
SPARE PAYMENTS LLC
16192 Coastal Highway
Lewes, DE 19958
Email: dontra@spare-payments.com
By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.