Terms and Conditions of Use

Thank you for visiting SavvyBillPay.com ("the site," "this site") which is owned and operated by LNS Marketing, LLC ("LNS"). Please read these terms and conditions of use carefully. By accessing this site and any pages thereof, you accept and agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this site, or any pages thereof.

Intellectual Property

The characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this site are the property of LNS. LNS will enforce its intellectual property rights to the fullest extent of the law.

Use of this Site

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of this web site and systems including but not limited to unauthorized entry into SavvyBillPay.com's or LNS's systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Products and services are not available in all geographic areas.

Limitation of Liability and Disclaimer of Warranties

LNS uses reasonable efforts to ensure that the information on this site is accurate, but cannot guarantee such accuracy. The information and materials contained in this site, including text, graphics, links or other items are provided "as is", "as available". LNS does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and material. Neither IP, SavvyBillPay.com nor any other party involved in creating, producing or delivering this site shall be liable for any direct, incidental, consequential, indirect or punitive damages arising out of your access to, or use of, this site or any linked site or use thereof.

Late Fees

Neither LNS, SavvyBillPay.com nor any other party involved in creating, producing or delivering this site shall be liable for any late fees , late charges or any other fees or charges associated with any payment made or attempted to be made through this site. It is the sole responsibility of each user that their bills are paid on time. SavvyBillPay.com and LNS take no responsibility for the performance of third parties involved in the processing, shipment or delivery of checks processed through this site.


Users of this site are not entitled to refunds for any fees or charges associated with transactions placed on SavvyBillPay.com. Users are not entitled to refunds for fees or charges associated with processed transactions which include any inaccurate or incorrect information knowingly or unknowingly inputted by the user.

Canceled or Modified Transaction Costs

In the event that any transaction that a user has authorized needs to be cancelled or modified for any reason, the user agrees to pay any and all charges associated with the cancellation or modification, including any charges associated with the cancellation or voiding of checks. Users are entitled to a refund for the bill amount (excluding all SavvyBillPay.com fees) for transactions canceled while still in the "Order Processing" stage of fulfillment. Users are not entitled to any refund, for either the bill amount or any associated fees, for orders which have progressed beyond the "Order Processing" stage.

Payments and Payees

Neither SavvyBillPay.com nor LNS make any claims around any payee's willingness or ability to accept payments initiated through SavvyBillPay.com. Users are responsible for any fees and or charges that arise from a payee not accepting a payment made using this site. Users involved in a dispute with a payee, will need to contact the payee directly.

Users can only use SavvyBillPay.com to make payments to businesses. Users are forbidden from making payments to non-business entities including themselves or any member of their immediate or extended family using SavvyBillPay.com. Neither SavvyBillPay.com nor LNS is responsible for any billing or payment errors.

No Cash Advances

You agree not to place orders for payments that could reasonably be interpreted as providing yourself a cash advance from your credit card and agree not to assist other users to engage in behavior that could reasonably be interpreted as providing themselves a cash advance from their credit cards. Such behavior includes, but is not limited to, paying someone through SavvyBillPay.com and then receiving the funds back from the recipient of the payment.


All information submitted to SavvyBillPay.com via this site shall be deemed and remain the property of LNS and LNS shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides LNS through this site.


This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. By offering this site and information, or any products or services via this site, no distribution or solicitation is made by SavvyBillPay.com or LNS to any person to use this site, or such information, products or services in jurisdictions were the provision of this site and such information, products and services is prohibited by law.


This site may contain links to sites maintained by third parties. LNS in not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.

Our Right to Contact You

We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or for any other reason LNS determines appropriate.

Right of Refusal

SavvyBillPay.com and LNS reserve the right to refuse service to any user for any reason, without discrimination or segregation on the ground of race, color, religion, sexual orientation, disability, veteran status or national origin.


LNS reserves the right to modify these terms and conditions from time to time. Your use of this site after such modification will constitute your acceptance of, and your agreement to, any new or mended terms and conditions.

Governing Law

Use of this site shall be governed by all applicable Federal laws of the United States of America and the laws of the State of California, regardless of where you may be viewing or accessing this site.