EASY SMART PAY USER AGREEMENT
This user agreement is a contract between you and Smart Easy Pay, Inc. dba Easy Smart Pay that governs your use of your Easy Smart Pay account and the Easy Smart Pay services. It applies to U.S. Easy Smart Pay accounts only. For an individual to open a U.S. Easy Smart Pay account and use the Easy Smart Pay services, you must be a resident of the United States or one of its territories and at least 18 years old, or the age of majority in your state of residence. For a business to open a U.S. Easy Smart Pay account and use the Easy Smart Pay services, the business must be organized in, operating in, or resident of, the United States or one of its territories.
Opening your Easy Smart Pay account constitutes your express agreement to comply with all of the terms and conditions in this user agreement, so please read all of the terms and conditions carefully. You also agree to comply with the following additional policies and each of the other agreements that may apply to you:
- Acceptable Use Policy
- Electronic Communication Delivery Policy
- E-Sign Disclosure and Consent
- Periodic Payment Authorization Policy
It is important to read this agreement and all of the terms of these policies and each of the other agreements that apply to you. We may amend this user agreement at any time by posting a revised version on our website. The revised version will be effective at the time we post it. If we change the user agreement in a way that reduces your rights or increases your responsibilities, we will provide you with prior notice for the purposes of obtaining your express consent.
Opening an Account
By opening this account you acknowledge the purpose of the account is to contract with Easy Smart Pay to assign the responsibility of payment of certain taxes and other payments owed to a government agency. In addition, your Easy Smart Pay Account is not a bank, escrow or other financial account and all funds transmitted through your account are funds of Smart Easy Pay, Inc. as it is the consideration required for the payment performance assigned to Easy Smart Pay. We offer two types of accounts: personal accounts and business accounts. All Easy Smart Pay accounts allow you to make payments using your debit card, credit card, and/or bank account.
You are responsible for maintaining adequate security and control of any and all IDs, passwords, personal identification numbers (PINs), or any other codes that you use to access your Easy Smart Pay account and the Easy Smart Pay services. You are responsible for keeping your mailing address, email address and other contact information up-to-date in your Easy Smart Pay account profile.
Closing Your Easy Smart Pay Account
When you close your Easy Smart Pay account, we will cancel any scheduled or incomplete transactions. You will remain liable for all obligations related to your Easy Smart Pay account even after the Easy Smart Pay account is closed. In certain cases, you may not close your Easy Smart Pay account, including:
- To evade an investigation.
- If you have an open Easy Smart Pay Credit account linked to your Easy Smart Pay account; however, your Easy Smart Pay account can be restricted at your request so it is only open to enable you to service your Easy Smart Pay Credit account.
- If you have a pending Easy Smart Pay transaction, we will not close your Easy Smart Pay account until that transaction has been completed, but we may limit your ability to make additional transactions using your Easy Smart Pay account.
- If you have a pending transaction or an open dispute or claim.
- If your Easy Smart Pay account has a negative balance.
- If your Easy Smart Pay account is subject to a hold, limitation or reserve.
Link Payment Method
You will be required to link a debit card, credit card, a U.S. bank account or Easy Smart Pay Credit to your Easy Smart Pay account as a payment method. Please keep your payment method information current (i.e. credit card number and expiration date). If this information changes, we may update it as directed by your bank or card issuer without any action on your part. You may choose to confirm your card, so that we can verify that the card is valid and that you are the card owner. To do this, we will charge $1.25 to the card. After the card is confirmed, we will immediately refund this amount to the card.
Holding a Easy Smart Pay Balance
Money that you receive from other Easy Smart Pay account holders is held as a balance in your Easy Smart Pay account. Any Easy Smart Pay balance you hold represents an unsecured claim against Easy Smart Pay and is not insured by the Federal Deposit Insurance Corporation (FDIC). Easy Smart Pay combines your Easy Smart Pay balance with the Easy Smart Pay balances of other Easy Smart Pay customers and invests those funds in liquid investments in accordance with state money transmitter laws. Easy Smart Pay owns the interest or other earnings on these investments. These pooled amounts are held separate from Easy Smart Pay’s corporate funds, and Easy Smart Pay will neither use these funds for its operating expenses or any other corporate purposes nor will it voluntarily make these funds available to its creditors in the event of bankruptcy.
Adding Money to your Account
You may transfer money to your Easy Smart Pay balance from any bank account linked to your Easy Smart Pay account by requesting an electronic transfer from your bank account or credit card. You don't need a Easy Smart Pay balance to send money or execute a payment transaction using your Easy Smart Pay account. You may use the payment methods linked to your Easy Smart Pay account to fund transactions you make using your Easy Smart Pay account.
If you have a Easy Smart Pay balance, and have fulfilled all pending transaction payment requests, you may withdraw it by:
- Transferring it to a bank account linked to your Easy Smart Pay account,
- Transferring it to an eligible debit card linked to your Easy Smart Pay account (subject to a $0.25 fee, which will be deducted from the amount of the withdrawal), or
- Requesting a check from us (subject to a non-refundable fee of $1.50, which will be deducted from the amount of the withdrawal).
You have the right to receive an electronic account statement showing your Easy Smart Pay account activity. You may view your Easy Smart Pay account statement by logging into your Easy Smart Pay account.
In the event you request that we send you written records related to your Easy Smart Pay account, we may charge you a fee of $10.00 per item requested. We will not charge you for records requested in connection with your good-faith assertion of an error in your Easy Smart Pay account.
Automated Clearing House Payments
Easy Smart Pay provides the option for users to make Automated Clearing House Payments (“ACH”). ACH payments are electronic payments that are created when the user gives an originating institution, such as Easy Smart Pay, authorization to debit directly from the user’s checking or saving account for the purpose of bill payment.
When using ACH, by clicking ["Checkout"], you will be authorizing Braintree, a service of PayPal, on behalf of yourself or your business (i) to verify your or your businesses bank account information using bank information and consumer reports and (ii) to debit your or your businesses bank account.
This user agreement will be effective as to all users on October 1, 2020.