Terms of Service

1. Who we are

LotPay makes online payment portals for car dealerships and landlords (we call them "businesses" below). Each business gets its own portal where its customers can see what they owe and pay online.

LotPay is owned by Andrew Pressley and is based in Oxford, Alabama. You can reach us by email at brock@lotpayportal.com or by text at (256) 453-0894.

These terms cover lotpayportal.com and every LotPay payment portal. By using them, you agree to these terms, our Privacy Policy and our Refund Policy.

2. Your portal account

• The business decides who gets an account on its portal and gives you your login.
• Keep your password private. You're responsible for payments made with your login. If you think someone else used your account, tell the business and us right away.
• Your balance, due dates, vehicle details and payment history come from the business's records. If something looks wrong, contact the business. LotPay can't change your contract or your balance.

3. Paying through LotPay

• Who you pay. Your payment goes to the business, not to LotPay. The business is the seller for your payment, and its name is on the portal and on your receipt.
• Card processing. Card payments are handled by our payment processor. You type your card into the processor's secure form. LotPay never sees or stores your full card number or security code.
• Cards we accept. Visa, Mastercard and Discover, debit or credit. All payments are in US dollars.
• When your payment counts. Your payment is recorded in the portal as soon as your card is approved and you see the confirmation. If your card is declined, no payment is made.
• One payment at a time. Each payment is a one-time charge that you approve. LotPay doesn't set up automatic or recurring charges.
• Paying by phone. If you call the business and ask staff to run your card, the same online fee applies. Staff tell you the total before they charge your card.

4. The online fee

• Card payments made online or by phone include an online fee for paying by card instead of in person.
• The fee is shown on the payment screen before you pay. It's the same no matter which card you use, and it's included in the total charged to your card.
• To avoid the fee, pay the business in person with cash, check or money order.
• When a payment is refunded in full, its online fee is refunded too.

5. Refunds and charges you don't recognize

Refunds are covered in our Refund Policy. If you see a charge you don't recognize, contact the business or us first. Most problems, like a payment made twice, can be fixed quickly. You can still dispute a charge with your card issuer.

6. Using the portal the right way

You agree not to use someone else's account without permission, pay with a card you aren't allowed to use, try to break into, overload or copy the portal, or use it for anything illegal. We may suspend access to protect you, the business or LotPay.

7. Emails and texts

The business may send you payment receipts, reminders and account messages through LotPay by email or text message. Message and data rates may apply. If you don't want texts, tell the business.

8. When the portal isn't available

We work to keep portals running 24 hours a day, but they can go down for maintenance or for problems outside our control. If you can't pay online, pay the business another way. Your due dates are set by your agreement with the business, not by LotPay.

9. Businesses that use LotPay

Businesses also sign a LotPay service agreement. If that agreement and these terms disagree, the service agreement controls for the business.

10. Disclaimers and limits

LotPay is provided "as is." To the extent the law allows, LotPay is not responsible for indirect, incidental or consequential damages, or for a business's own records, decisions or actions. To the extent the law allows, our total liability for any claim about the portal is limited to the greater of $100 or the online fees you paid in the 12 months before the claim.

11. Governing law

Alabama law governs these terms. Any dispute will be handled in the state or federal courts for Calhoun County, Alabama, unless the law requires otherwise.

12. Changes to these terms

We may update these terms. When we do, we'll change the date at the top of this page. The updated terms apply from that date on.