Terms of Use

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE.

By using the Late Fee Manager website (the "Site") or any Late Fee Manager applications or application plug-ins ("Applications"), you agree to follow and be bound by these terms of use (the "Terms of Use") and agree to comply with all applicable laws and regulations. In these Terms of Use, the words "you" and "your" refer to each customer, Site visitor, or Application user, "we", "us" and "our" refer to Late Fee Manager and "Services" refers to all services provided by us.

It is your responsibility to review these Terms of Use periodically. If at any time you find these Terms of Use unacceptable or if you do not agree to these Terms of Use, please do not use this Site or any Applications. We may revise these Terms of Use at any time without notice to you. If you have any questions about these Terms of Use, please contact us directly.

YOU AGREE THAT BY USING THE SITE, ANY APPLICATIONS, AND THE SERVICES YOU ARE AT LEAST 18 YEARS OF AGE AND YOU ARE LEGALLY ABLE TO ENTER INTO A CONTRACT.

These Terms require the use of arbitration on an individual basis to resolve disputes, rather than jury trials or class actions, and also limit the remedies available to you in the event of a dispute.

Late Fee Manager automatically generates late fee invoices in QuickBooks and Xero accounting systems when invoices become overdue. Late Fee Manager also sends automated payment reminders to your customers via email on your behalf. Late Fee Manager is not a collection agency. Late Fee Manager is simply a tool for its members, businesses and individuals alike, to more timely and efficiently invoice their customers for overdue and unpaid invoices. Late Fee Manager maintains the highest standards of business conduct by using only legal and ethical means in all business activity. As such, Late Fee Manager observes all applicable laws, regulations, and rules pertaining to the processing and handling of accounts receivable. If a member of Late Fee Manager determines that an overdue or unpaid invoice needs to be sent to a collection agency, Late Fee Manager will no longer provide service to that account, and the member shall be solely responsible for adherence to any and all federal and state laws, rules, or regulations affecting the collection of that debt.

Late Fee Manager does not provide legal advice. Late Fee Manager assists its members with overdue and unpaid invoices; however, the agreements and/or contracts underlying such invoices, and any and all obligations, disputes, or liabilities therefrom, are the sole responsibility of the member and debtor. Late Fee Manager is not a law firm and may not perform services performed by an attorney. Late Fee Manager and/or the services it provides are not a substitute for the advice or services of an attorney.

  1. Privacy Policy. Late Fee Manager respects your privacy and permits you to control the treatment of your personal information. A complete statement of Late Fee Manager 's current Privacy Policy can be found by clicking here. Late Fee Manager 's Privacy Policy is incorporated into this Agreement by reference.

    When you open an account to use of the Late Fee Manager Site, its Applications, or the Services, you must provide complete and accurate information as requested on the registration form. You will also be asked to provide a user name and password. You are entirely responsible for maintaining the confidentiality of your password. You may not use a third party's account, user name or password at any time. You agree to notify Late Fee Manager immediately of any unauthorized use of your account, user name or password. Late Fee Manager shall not be liable for any losses you incur as a result of someone else's use of your account or password, either with or without your knowledge. You may be held liable for any losses incurred by Late Fee Manager, our affiliates, officers, directors, employees, consultants, agents and representatives due to someone else's use of your account or password.

  2. Ownership. This Site and Applications are owned and operated by Late Fee Manager. All right, title and interest in and to the materials provided on this Site and Applications, including but not limited to information, documents, logos, graphics, and images (the "Materials") are owned either by Late Fee Manager or by our respective third party authors, developers, or vendors ("Third Party Providers"). Except as otherwise expressly provided by Late Fee Manager, none of the Materials may be copied, reproduced, republished, downloaded, uploaded, posted, displayed, transmitted, or distributed in any way and nothing on this Site or on any Applications shall be construed to confer any license under any of Late Fee Manager 's intellectual property rights, whether by estoppel, implication, or otherwise. Late Fee Manager does not sell, license, lease, or otherwise provide any of the Materials other than those specifically identified as being provided by Late Fee Manager. Any rights not expressly granted herein are reserved by Late Fee Manager.

  3. Limited Permission to Download. Late Fee Manager hereby grants you permission to download, view, copy, and print the Materials on any single, stand-alone computer (or, for Microsoft Agave users, one copy of the Application on up to five devices affiliated with your Marketplace Windows Live ID account) solely for your personal, informational, non-commercial use provided that (i) where provided, the copyright and trademark notices appearing on any Materials not be altered or removed, (ii) the Materials are not used on any other website or in a networked computer environment and (iii) the Materials are not modified in any way, except for authorized editing of downloadable forms for personal use. This permission terminates automatically without notice if you breach any of the terms or conditions of these Terms of Use. On any such termination, you agree to immediately destroy any downloaded or printed Materials. Any unauthorized use of any Materials contained on this Site or Applications may violate copyright laws, trademark laws, laws of privacy and publicity and communications regulations and statutes.

  4. Links to Third Party Sites. This Site and Applications may contain links to websites controlled by parties other than Late Fee Manager (each a "Third Party Site"). Late Fee Manager may provide links to resources with whom it is not affiliated. Late Fee Manager is not responsible for and does not endorse or accept any responsibility for the availability, contents, products, services, or use of any Third Party Site, any website accessed from a Third Party Site or any changes or updates to such sites. Late Fee Manager makes no guarantees about the content or quality of the products or services provided by such sites. Late Fee Manager is not responsible for webcasting or any other form of transmission received from any Third Party Site. Late Fee Manager is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Late Fee Manager of the Third Party Site. You acknowledge that you bear all risks associated with access to and use of content provided on a Third Party Site and agree that Late Fee Manager is not responsible for any loss or damage of any sort you may incur from dealing with a third party. You should contact the site administrator for the applicable Third Party Site if you have any concerns regarding such links or the content located on any such Third Party Site.

  5. DISPUTE RESOLUTION BY BINDING ARBITRATION

    Please read this carefully. It affects your rights.

    Summary:

    Most customer concerns can be resolved quickly and to the customer's satisfaction by calling Customer Support at (775) 636-8113. In the unlikely event that the Late Fee Manager Customer Support is unable to resolve your complaint to your satisfaction (or if Late Fee Manager has not been able to resolve a dispute it has with you after attempting to do so informally), we each agree to resolve those disputes through binding arbitration or in small claims court rather than in a court of general jurisdiction. Arbitration is less formal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, allows for more limited discovery than a court does, and is subject to very limited review by courts. Any arbitration under these Terms will take place on an individual basis; class arbitrations and class actions are not permitted. In arbitration you may recover attorney's fees from Late Fee Manager to the same extent or more as you would in court. The arbitrator shall apply the same limitations period that would apply in court.

    You may speak with independent counsel before using this Site or working with Late Fee Manager.

    Arbitration Agreement:

    1. Late Fee Manager and you agree to arbitrate all disputes and claims between us before a single arbitrator. The types of disputes and claims we agree to arbitrate are intended to be broadly interpreted. It applies, without limitation, to:

      • claims arising out of or relating to any aspect of the relationship between us, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory;

      • claims that arose before these or any prior Terms (including, but not limited to, claims relating to advertising);

      • claims that are currently the subject of purported class action litigation in which you are not a member of a certified class; and

      • claims that may arise after the termination of these Terms.

      For the purposes of this Arbitration Agreement, references to " Late Fee Manager," "you," and "us" include our respective subsidiaries, affiliates, agents, employees, business partners, predecessors in interest, successors, and assigns, as well as all authorized or unauthorized users or beneficiaries of services or products under these Terms or any prior agreements between us. Beneficiaries include, but are not limited to, those named in an estate planning document.

      Notwithstanding the foregoing, either party may bring an individual action in small claims court. This arbitration agreement does not preclude your bringing issues to the attention of federal, state, or local agencies. Such agencies can, if the law allows, seek relief against us on your behalf. You agree that, by entering into these Terms, you and Late Fee Manager are each waiving the right to a trial by jury or to participate in a class action. These Terms evidence a transaction or website use in interstate commerce, and thus the Federal Arbitration Act (“FAA”) governs the interpretation and enforcement of this provision. This arbitration provision will survive termination of these Terms.

    2. A party who intends to seek arbitration must first send, by U.S. certified mail, a written Notice of Dispute ("Notice") to the other party. A Notice to Late Fee Manager should be addressed to: Late Fee Manager, PO Box 2882 Stateline, NV 89449 (the "Notice Address"). The Notice must (a) describe the nature and basis of the claim or dispute and (b) set forth the specific relief sought ("Demand"). If Late Fee Manager and you do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or Late Fee Manager may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by Late Fee Manager or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or Late Fee Manager is entitled.

      You may download or copy a form to initiate arbitration from the AAA website at http://www.adr.org/aaa/ShowPDF?doc=ADRSTG_015820. (There is a separate form for California residents, also available on the AAA's website at http://www.adr.org/aaa/ShowPDF?doc=ADRSTG_015822.)

    3. The arbitration will be governed by the Consumer Arbitration Rules (the "AAA Rules") of the American Arbitration Association (the "AAA"), as modified by these Terms, and will be administered by the AAA. The AAA Rules are available online at www.adr.org or by calling the AAA at 1-800-778-7879. The arbitrator is bound by these Terms. All issues are for the arbitrator to decide, except that issues relating to the scope, enforceability, and interpretation of the arbitration provision and the scope, enforceability, and interpretation of paragraph (f) are for the court to decide. Unless Late Fee Manager and you agree otherwise, any arbitration hearings will take place in Douglas County, Nevada. If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, by a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If you choose to proceed either in person or by telephone, we may choose to respond only by telephone or submission. If your claim exceeds $10,000, the AAA Rules will determine whether you have a right to a hearing. The parties agree that in any arbitration of a dispute or claim, neither party will rely for preclusive effect on any award or finding of fact or conclusion of law made in any other arbitration of any dispute or claim to which Late Fee Manager was a party.

    4. If, after finding in your favor in any respect on the merits of your claim, the arbitrator issues you an award that is greater than the value of Late Fee Manager 's last written settlement offer made before an arbitrator was selected, then Late Fee Manager will:

      • pay you either the amount of the award or $2,000 ("the alternative payment"), whichever is greater; and

      • pay your attorney, if any, the amount of attorney's fees, and reimburse any expenses (including expert witness fees and costs), that your attorney reasonably accrues for investigating, preparing, and pursuing your claim in arbitration (the "attorney's payment").

      If Late Fee Manager did not make a written offer to settle the dispute before an arbitrator was selected, you and your attorney will be entitled to receive the alternative payment and the attorney's fees, respectively, if the arbitrator awards you any relief on the merits. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees, expenses, and the alternative payment and the attorney's fees at any time during the proceeding and upon request from either party made within 14 days of the arbitrator's ruling on the merits. In assessing whether an award that includes attorney’s fees or expenses is greater than the value of Late Fee Manager’s last written settlement offer, the arbitrator shall include in his or her calculations only the value of any attorney’s fees or expenses you reasonably incurred in connection with the arbitration proceeding before Late Fee Manager’s settlement offer.

    5. The right to attorney's fees and expenses discussed in paragraph (d) supplements any right to attorney's fees and expenses you may have under applicable law. Thus, if you would be entitled to a larger amount under applicable law, this provision does not preclude the arbitrator from awarding you that amount. However, you may not recover duplicative awards of attorney's fees or costs. Although under some laws Late Fee Manager may have a right to an award of attorney's fees and expenses if it prevails in an arbitration proceeding.

    6. The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. YOU AND LATE FEE MANGER AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITIES AND NOT AS PLAINTIFFS OR CLASS MEMBERS IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING OR IN THE CAPACITY OF A PRIVATE ATTORNEY GENERAL. Further, unless both you and Late Fee Manager agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding. The arbitrator may award any relief that a court could award that is individualized to the claimant and would not affect other customers. Neither you nor we may seek non-individualized relief that would affect other customers. If a court decides that applicable law precludes enforcement of any of this paragraph's limitations as to a particular claim for relief, then that claim (and only that claim) must be severed from the arbitration and may be brought in court.

    7. If the amount in dispute exceeds $75,000 or either party seeks any form of injunctive relief, either party may appeal the award to a three-arbitrator panel administered by AAA by a written notice of appeal within thirty (30) days from the date of entry of the written arbitration award. An award of injunctive relief shall be stayed during any such appeal. The members of the three-arbitrator panel will be selected according to AAA rules. The three-arbitrator panel will issue its decision within one hundred and twenty (120) days of the date of the appealing party's notice of appeal. The decision of the three-arbitrator panel shall be final and binding, subject to any right of judicial review that exists under the FAA.

    8. Notwithstanding any provision in the applicable Terms to the contrary, we agree that if we make any future change to this arbitration provision (other than a change to any notice address, website link or telephone number provided herein), that change will not apply to any dispute of which we had written notice on the effective date of the change. Moreover, if we seek to terminate this arbitration provision, any such termination will not be effective until at least thirty (30) days after written notice of such termination is provided to you, and shall not be effective as to disputes which arose prior to the date of termination.

  6. Additional Terms. Some Late Fee Manager Services may be subject to additional posted guidelines, rules or terms of service ("Additional Terms") and your use of such Services will be conditioned on your agreement to the Additional Terms. If there is any conflict between these Terms of Use and the Additional Terms, the Additional Terms will control for that Service, unless the Additional Terms expressly state that these Terms of Use will control.

  7. Reviews, Comments, Communications, and Other Content. At various locations on the Site or through Applications, Late Fee Manager may permit visitors to post ratings, reviews, comments, questions, answers, and other content (the "User Content"). Contributions to, access to and use of the User Content is subject to this paragraph and the other terms and conditions of these Terms of Use.

    Rights and Responsibilities of Late Fee Manager.

    Late Fee Manager is not the publisher or author of the User Content. Late Fee Manager takes no responsibility and assumes no liability for any content posted by you or any third party.

    Although we cannot make an absolute guarantee of system security, Late Fee Manager takes reasonable steps to maintain security. If you have reason to believe system security has been breached, contact us by email for help.

    If Late Fee Manager 's technical staff finds that files or processes belonging to a member pose a threat to the proper technical operation of the system or to the security of other members, Late Fee Manager reserves the right to delete those files or to stop those processes. If the Late Fee Manager technical staff suspects a user name is being used by someone who is not authorized by the proper user, Late Fee Manager may temporarily disable that user's access in order to preserve system security. In all such cases, Late Fee Manager will contact the member as soon as feasible.

    Late Fee Manager has the right (but not the obligation), in our sole and absolute discretion, to edit, redact, remove, re-categorize to a more appropriate location or otherwise change any User Content.

    Rights and Responsibilities of Late Fee Manager Users or Other Posters of User Content.

    You are legally and ethically responsible for any User Content - writings, files, pictures or any other work - that you post or transmit using any Late Fee Manager service that allows interaction or dissemination of information. In posting User Content, you agree that you will not submit any content:

    • that is known by you to be false, inaccurate or misleading;

    • that infringes anyone’s copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy. Please see Compliance with Intellectual Property Laws below;

    • that violates any law, statute, ordinance, or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, antidiscrimination, or false advertising). Please see Compliance with Export Restrictions below;

    • that is, or may reasonably be considered to be, defamatory, libelous, hateful, racially or religiously biased or offensive, unlawfully threatening or unlawfully harassing, or advocates or encourages illegal conduct harmful to any individual, partnership or corporation. Please see Inappropriate Content below;

    • that includes advertisements, spam, or content for which you were compensated or granted any consideration by any third party;

    • that includes information that references other websites, addresses, email addresses, phone numbers, or other contact information;

    • that contains any computer virus, worms, or other potentially damaging computer programs or files;

    • that otherwise violates these Terms of Use.

    Under United States federal law, you retain copyright on all works you create and post as User Content, unless you choose specifically to renounce it. In posting a work as User Content, you authorize other members who have access to that service to make personal and customary use of the work, including creating links or reposting, but not otherwise to reproduce or disseminate it unless you give permission for such dissemination.

    You grant Late Fee Manager a perpetual, irrevocable, royalty-free, transferable right and license to use, copy, modify, delete in its entirety, adapt, publish, translate, create derivative works from, sell, distribute, and/or incorporate such content into any form, medium, or technology throughout the world without compensation to you. You have the right to remove any of your works from User Content at any time.

    You are not required to provide your real name when signing up as a user of Late Fee Manager. Late Fee Manager permits anonymous or pseudonymous accounts. Any user may request that such member's email address be hidden to provide for additional privacy.

    Ratings and reviews will generally be posted in two to four business days.

    By submitting your email address in connection with your rating and review, you agree that Late Fee Manager may use your email address to contact you about the status of your review and other administrative purposes.

  8. NO WARRANTY. THE SITE, APPLICATIONS, AND ALL MATERIALS, DOCUMENTS OR FORMS PROVIDED ON OR THROUGH YOUR USE OF THE SITE OR APPLICATIONS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, LATE FEE MANAGER EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

    LATE FEE MANAGER MAKES NO WARRANTY THAT: (A) THE SITE, APPLICATIONS, OR THE MATERIALS WILL MEET YOUR REQUIREMENTS; (B) THE SITE, APPLICATIONS, OR THE MATERIALS WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE BASIS; (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE, APPLICATIONS, OR ANY MATERIALS OFFERED THROUGH THE SITE OR APPLICATIONS, WILL BE ACCURATE OR RELIABLE; OR (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE, APPLICATIONS, OR IN RELIANCE ON THE MATERIALS WILL MEET YOUR EXPECTATIONS.

    OBTAINING ANY MATERIALS THROUGH THE USE OF THE SITE OR APPLICATIONS IS DONE AT YOUR OWN DISCRETION AND AT YOUR OWN RISK. LATE FEE MANAGER SHALL HAVE NO RESPONSIBILITY FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY CONTENT, MATERIALS, INFORMATION OR SOFTWARE.

  9. LIMITATION OF LIABILITY AND INDEMNIFICATION. EXCEPT AS PROHIBITED BY LAW, YOU WILL HOLD LATE FEE MANAGER AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS HARMLESS FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGE, HOWEVER IT ARISES (INCLUDING ATTORNEYS' FEES AND ALL RELATED COSTS AND EXPENSES OF LITIGATION AND ARBITRATION, OR AT TRIAL OR ON APPEAL, IF ANY, WHETHER OR NOT LITIGATION OR ARBITRATION IS INSTITUTED), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, INCLUDING WITHOUT LIMITATION ANY VIOLATION BY YOU OF ANY FEDERAL, STATE, OR LOCAL LAWS, STATUTES, RULES, OR REGULATIONS, EVEN IF LATE FEE MANAGER HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. EXCEPT AS PROHIBITED BY LAW, IF THERE IS LIABILITY FOUND ON THE PART OF LATE FEE MANAGER, IT WILL BE LIMITED TO THE AMOUNT PAID FOR THE PRODUCTS AND/OR SERVICES, AND UNDER NO CIRCUMSTANCES WILL THERE BE CONSEQUENTIAL OR PUNITIVE DAMAGES. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE PRIOR LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. THIS PARAGRAPH DOES NOT APPLY TO NORTH CAROLINA CONSUMERS.

  10. Unsolicited Submissions. Except as may be required in connection with your use of Late Fee Manager Services, Late Fee Manager does not want you to submit confidential or proprietary information to us through this Site or any Applications. All comments, feedback, information or material submitted to Late Fee Manager through or in association with this Site shall be considered non-confidential and Late Fee Manager’s property. By providing such submissions to Late Fee Manager you hereby assign to Late Fee Manager, at no charge, all worldwide right, title and interest in and to the submissions and any intellectual property rights associated therewith. Late Fee Manager shall be free to use and/or disseminate such submissions on an unrestricted basis for any purpose. You acknowledge that you are responsible for the submissions that you provide, including their legality, reliability, appropriateness, originality and content.

  11. Compliance with Intellectual Property Laws. When accessing Late Fee Manager, you agree to obey the law and you agree to respect the intellectual property rights of others. Your use of the Service and the Site is at all times governed by and subject to laws regarding copyright, trademark and other intellectual property ownership. You agree not to upload, download, display, perform, transmit or otherwise distribute any information or content in violation of any third party's copyrights, trademarks or other intellectual property or proprietary rights. You agree to abide by laws regarding copyright ownership and use of intellectual property, and you shall be solely responsible for any violations of any relevant laws and for any infringements of third party rights caused by any content you provide or transmit or that is provided or transmitted using your Late Fee Manager user account.

  12. Inappropriate Content. When accessing the Site, any Applications, or using Late Fee Manager 's Services, you agree not to upload, download, display, perform, transmit or otherwise distribute any content that: (i) is libelous, defamatory, obscene, pornographic, abusive or threatening; (b) advocates or encourages conduct that could constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or foreign law or regulation; or (c) advertises or otherwise solicits funds or is a solicitation for goods or services. Late Fee Manager reserves the right to terminate or delete such material from its servers. Late Fee Manager will cooperate fully with any law enforcement officials or agencies in the investigation of any violation of these Terms of Use or of any applicable laws.

  13. Personal Use. The site is made available for your personal use on your own behalf.

  14. Children. Minors are not eligible to use the Site or Applications and we ask that they do not submit any personal information to us.

  15. Governing Law; Venue. Any legal action or proceeding relating to your access to or use of the Site, an Application, or Materials is governed by the Arbitration Agreement contained in paragraph 6 of these Terms of Use. These Terms of Use expressly exclude and disclaim the terms of the U.N. Convention on Contracts for the International Sale of Goods, which shall not apply to any transaction conducted through or otherwise involving this Site or an Application.

  16. Copyrights. All Site design, text, graphics, the selection and arrangement thereof, Copyright ©, Late Fee Manager. ALL RIGHTS RESERVED.

  17. Trademarks. “Late Fee Manager” and the Late Fee Manager logo are registered trademarks of Late Fee Manager. All other trademarks, product names and company names or logos cited herein are the property of their respective owners.

  18. Inquiries. BY USING LATE FEE MANAGER 'S SERVICES OR ACCESSING THE LATE FEE MANAGER SITE OR APPLICATIONS, YOU ACKNOWLEDGE AND ACCEPT THAT SUBMITTING YOUR TELEPHONE NUMBER TO LATE FEE MANAGER VIA THE LATE FEE MANAGER SITE OR APPLICATIONS CONSTITUTES AN INQUIRY TO LATE FEE MANAGER, AND THAT LATE FEE MANAGER MAY CONTACT YOU AT THE NUMBER SUBMITTED EVEN IF SUCH NUMBER APPEARS ON ANY STATE OR FEDERAL DO NOT CALL LISTS (TAKING INTO ACCOUNT INQUIRY EXCEPTION TIME FRAMES AS APPROPRIATE).

  19. Right to Refuse. You acknowledge that Late Fee Manager reserves the right to refuse service to anyone and to cancel user access at any time.

  20. Acknowledgement. BY USING LATE FEE MANAGER'S SERVICES OR ACCESSING THE LATE FEE MANAGER SITE OR APPLICATIONS, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE AND AGREE TO BE BOUND BY THEM.