You agree that you are retaining Smilepop to complete Products and/or Services requested by you, and have an unqualified obligation to remit payment for those Products and/or Services. Once you are accepted as a client, you fully agree to pay the complete and full amount agreed to in a timely manner and waive any claims to a refund. By entering payment information, you are representing and warranting that you are an authorized user of the account you have provided the information of and that the information entered (account holder name, account number, billing address, etc.) is accurate, true, and complete in all respects. You authorize Smilepop to charge any and all amounts owed under this Agreement to any payment method we have received from you according to the terms agreed to upon your signing up.

If you have requested multiple payments or installments, the Grand Total Amount equals the total amount of your Purchase, as adjusted, and represents the total amount you will have paid when you have made all scheduled payments. In addition to the cost of any goods and/or services, it may be adjusted to include (1) any applicable taxes, shipping costs, or other fees that you have authorized and that are charged, (2) any goods or services in which are later added to your order after you agree to this Agreement and/or (3) any adjustments or increases due to exchanges or returns. You authorize Smilepop to charge the amount of each invoice, installment, or further transactions and fees, to any method of payment you have on file with us. Smilepop will present you with the applicable payment terms including:

• The amount of your Initial Payment. The initial Payment is the first of, no more than, 4 payments and is due immediately once your order has been confirmed. The Initial Payment will be charged automatically on the date your order is placed and confirmed;
  
• The amount of each subsequent Installment Payment. Installment Payments will be charged automatically on the dates set forth in the Payment Authorization.
  
• Smilepop is not liable for any discrepancy in payments of installments between you and a third party. It is completely your responsibility to do proper installments and complete the payment on time.
  

By using multiple installments as your payment option, you agree to pay Smilepop the Grand Total Amount in accordance with the payment terms including repayment of the Initial Payment and each Installment Payment on their Due Dates, plus any fees, past due amounts and other charges permitted under this Agreement. There is no balloon or similar final payment required on this loan and you are not required to obtain credit life or credit disability as a condition of receiving installment payments. All multiple installment accounts MUST BE PAID WITHIN 30 DAYS FROM DATE OF PURCHASE.

You also authorize Smilepop to rerun, any method of payment you have on file with us for any funds due by you to Smilepop. For all services provided by Smilepop the Grand Total Amount must be paid in full before any work will begin. Once a purchase is submitted, it cannot be modified or withdrawn by you. All purchases made by you are non-cancelable and non-refundable. Once your order is processed, the Grand Total Amount is the total amount owed, irregardless of any other factor, including without limitation, whether or not the impression system is used.

We may limit the types of payment methods we accept at our discretion. If a type of payment methods, such as a particular credit or debit card, is not accepted, you will be notified before your order is confirmed and processed. We do not accept prepaid or gift cards. You may change your payment method at any time, and if you do, you authorize us to charge your new payment method in accordance with this Agreement. Paying by debit card is not a requirement for obtaining installment payments under this Agreement. You authorize us to store your payment method details in our systems. We will use this information to authorize future charges as described in this Agreement. Unless you opt-out, we may also use this information to prefill your payment method details for future purchases.

You expressly authorize Smilepop and each of Smilepop’s Installment Partners to obtain (for itself or on behalf of Smilepop or an Installment Partner) consumer reports from consumer reporting agencies about you (1) when you request offers or apply for an installment plan, (2) periodically throughout the term of your installment (including in the month following the month when you pay off or otherwise satisfy the installment), and (3) from time to time in connection with any other Products or Services that we offer or that you may obtain from us, including, without limitation, your Smilepop or Installment Partner account.

Smilepop reserves the right to cancel any transaction that it reasonably believes to have been made fraudulently including, by unauthorized use of a credit or debit card, or with unreasonable or unyielding expectations.

In each case you, expressly authorize us and each of our Installment Partners to use such consumer report about you, and information derived therefrom, in connection with:

• Your installment plan, including determining your eligibility, servicing or maintaining your installment or account, verifying your identity, verifying information you provide to Smilepop or an Installment Partner, and for collecting any amount you owe us or an Installment Partner or any of our respective successors or assigns;
  
• Marketing, including pre-qualification and other forms of marketing, for installments that may be provided by us or an Installment Partner and any other service we offer or you obtain from us or any Installment Partner through the Smilepop; and
  
• Our internal use, including statistical analyses and to develop, improve, analyze, study, and maintain products and services we or any Installment Partners offer or may offer.
  

You understand that Smilepop and/or any of its Installment Partners may report information about your installment or account (such as on-time, late, and missed payments; any defaults; and the fact you paid off your loan) to consumer reporting agencies and that such information may be reflected in your credit report or other consumer reports about you.

You agree to allow Smilepop to send you payment reminders from time to time. Notwithstanding whether you have consented or withdrawn your, you agree that payment reminders may take the form of any available communication, subject to applicable law. You also agree that if you fail to pay any amount owed to Smilepop pursuant to this Agreement or any other agreement you have with us or any Installment Partner, Smilepop may engage in collection efforts to recover such amounts from you. These collection efforts may involve contacting you directly, submitting your information to a collections agency, or taking legal action. FAILURE TO PAY MAY AFFECT YOUR CREDIT SCORE.
Except where prohibited by law, you will be in default if you: (a) fail to make any payment by a Due Date; (b) become the subject of insolvency or bankruptcy proceedings;(c) supply false, misleading, or incorrect information to us; (d) a payment is returned to us by your bank; or (e)violate or are unwilling to comply with any provisions in this Agreement (each a “Default”). If you are in Default Smilepop : (i) employ a debt collection agency to collect payment; and (ii) report default information to credit bureaus. If you are in Default Smilepop may prevent you from future use of any Smilepop service.