Terms & Conditions

Terms and Conditions of Use

Effective Date: 06/23/2025
Last Updated: 07/13/2025

Welcome to Lower My Payment Specialists Inc. ("Website", "we", "us", or "our"). These Terms and Conditions of Use ("Terms") govern your access to and use of our website located at thelmps.com, including any content, features, functionality, and services offered through the site.

By accessing or using our website, you accept and agree to be bound by these Terms. If you do not agree with these Terms, please do not use the website.

 

1. Use of the Website

You agree to use the website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else’s use and enjoyment of the website. Prohibited behavior includes, but is not limited to:

• Using the website for any unlawful purpose

• Transmitting harmful or malicious code (e.g., viruses, spyware)

• Attempting to gain unauthorized access to our servers or systems

• Interfering with the normal operation of the website

 

2. Intellectual Property

All content on the website, including text, graphics, logos, icons, images, audio clips, video, and software, is the property of Lower My Payment Specialist Inc. or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws.

You may not reproduce, distribute, modify, or use any content without prior written permission, except for personal, non-commercial use.

 

3. User Submissions

If you submit or post content (e.g., comments, feedback, or data) on or through the website, you grant us a non-exclusive, royalty-free, perpetual, and worldwide license to use, reproduce, and distribute your content for any lawful purpose.

You represent that your submissions do not violate any third-party rights or laws.

 

4. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by us. We are not responsible for the content, privacy practices, or accuracy of third-party websites.

 

5. Disclaimer of Warranties

This website and all its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the site will be uninterrupted or error-free, or that any defects will be corrected.

To the fullest extent permitted by law, we disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

 

6. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from or related to your use of the website, even if we have been advised of the possibility of such damages.

 

7. Indemnification

You agree to indemnify and hold harmless Lower My Payment Specialists Inc., its affiliates, employees, and agents from any claims, liabilities, damages, and expenses (including attorneys' fees) arising out of your use of the website or your violation of these Terms.

 

8. Termination

We may suspend or terminate your access to the website at any time, without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users or us.

 

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts in City and County of Broomfield.

10. Changes to Terms

We reserve the right to update or modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes acceptance of the revised Terms.

 

11. Contact Us

If you have any questions about these Terms, please contact us at:

Lower My Payment Specialists Inc.

Email: support@thelmps.com
Phone: 720-248-8493

Address: 5023 W 120th Ave. #412 Broomfield, CO 80020