FTW Portal – TERMS AND CONDITIONS
Effective Date: April 6, 2026
- INTRODUCTION
- RELATIONSHIP TO PRIVACY POLICY
- CONSENT TO ELECTRONIC COMMUNICATIONS
- REFUNDS
- CONVENIENCE FEE
- TERMINATION
- COPYRIGHT
- TRADEMARKS
- LICENSE AND SITE ACCESS
- PAYMENTS
- LIMITED LIABILITY; DISCLAIMER OF WARRANTY
- APPLICABLE LAW
- SITE POLICIES, SEVERABILITY
- SECURITY PRECAUTION WARNING
- ACH TERMS AND CONDITIONS
- PRE-AUTHORIZED ACH PAYMENT
- CHARGES
- DISHONORED REQUESTS FOR PAYMENTS
- RECURRING CREDIT CARD PAYMENT
- CHANGES IN ACCOUNT INFORMATION
- CONTACT INFORMATION
Welcome to the Online payment service. The Online payment service is a Freedom To Work eCommerce website to provide you with an electronic payment option. You are not required to pay us via the Online payment service. Rather, this payment service is offered to you as a convenience. This service to you ("you" or "your" means any person using the Online payment service or related service) is subject to the following Terms and Conditions. When making your payment, you select "I accept" after confirming you have read and understand the Online payment service Terms and Conditions or "I accept Terms and Conditions" you agree to and subject to the following Terms and Conditions.
Your use of the Application is subject to the Privacy Policy available at https://ftw.lq-pay.com/application/privacy-policy, which is incorporated by reference into these Terms. In the event of a conflict between these Terms and the Privacy Policy with respect to the handling of personal information, the Privacy Policy shall govern.
When you visit the Online payment service (website) or send emails to us ("us" means the Online payment service), you are communicating with us electronically. You consent to receive communications from us electronically. We may communicate with you by email or by posting notices on this website. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. When making each payment, you are consenting to receive a one-time confirmation of this payment electronically to the e-mail address you have provided to us. In order to receive the electronic confirmation of your enrollment in this service, you must have access to a personal computer with secure protocols and a modern browser, internet access and a valid email account supported by software and hardware that enables you to receive electronic communications. In order to store or print an electronic communication from the Online payment service, you will need a printer connected to your computer to enable you to print such communications, and for storage to your off-line files you will need a hard drive/disk drive/USB or other permanent storage device that will facilitate document downloading and storage. We will not provide paper copies of the electronic Terms and Conditions, payment confirmations and other communications for the Online payment service.
If you are not satisfied with any goods or services purchased using the Online payment service, you agree to resolve the issue directly with our accounting/billing department. The Online payment service (our payment facilitator) is not responsible for refunds.
You may be required to pay a convenience fee for your use of the Online payment service. If you are required to pay a convenience fee, you will be notified on a screen prior to completing the payment transaction. If you do not wish to pay the required convenience fee, you may cancel your payment any time prior to accepting the convenience fee. By completing your payment, you are agreeing to all stated Terms and Conditions, including any convenience fee that is required.
You may terminate this Agreement at any time by providing written notice to us. We may immediately terminate this Agreement at any time without notice and for any reason, including, but not limited to, if you engage in any conduct which we, in our sole discretion, consider to be unacceptable, or if you breach this Agreement.
All content, titles, graphics, logos, button icons, images and software are the copyrighted material of the Online payment service and/or its licensors, and you agree not to download (other than page caching) or modify it, or any portion of it. The compilation of all content on this website is the exclusive property of the Online payment service and is protected by U.S. and international copyright laws. Reproduction, republication, or distribution of any material from the website is strictly prohibited, except that you may, for personal and non-commercial use only, make a single hard copy of your transactions for your personal records.
Logos, button icons, characters, and all related logos, products and services described in the Online payment service website are trademarks or registered trademarks of the Online payment service. All other trademarks that appear on the Online payment service website that are not owned by the service, or its affiliates, are the property of their respective owners.
The Online payment service grants you a limited license to access and make personal use of this service to pay for selected goods and services. You may also use the Online payment service to obtain additional information, if provided to the Online payment service, regarding your account. You are prohibited from using the Online payment service to make an unauthorized or illegal transaction. For example, you cannot use the Online payment service to withdraw funds from a checking account to which you have no rights. Furthermore, you cannot use the Online payment service to make a charge to a credit card you do not own. These examples are not exclusive. If you are under 18, you may not use the Online payment service. You are responsible for protecting the confidentiality of required login information, including usernames and passwords. You should not permit any other person to use your login information. You will hold the Online payment service harmless for any activity pertaining to your account, including, but not limited to, authorized or unauthorized charges to your checking account, credit card or bank information via the Online payment service if you fail to protect required login credentials. Security industry standards suggest you use a combination of upper- and lower-case characters plus, numeric, and special characters and that you change your password immediately if you believe it has been compromised.
You may make payments using acceptable checking or credit card accounts. We may not accept all payment forms (e.g., direct debit to your checking account/credit card/debit card/third parties) and all brands of credit and debit cards. Your credit/debit card provider and/or our direct debit processing financial institution may have imposed holds on your checking account and credit card. Payments are processed as promptly as possible. However, we make no representations or warranties regarding the amount of time needed to complete processing. Several factors, such as delays in the banking system, electronic funds transfer systems or the national payment network, are outside of our control and will affect when the funds are received. The Online payment service is not responsible for any failure or delay of payment after it has been transmitted to your financial institution or credit/debit card issuer, or for any delays in posting credit to your account.
THE ONLINE PAYMENT SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE MAKE NO WARRANTY AND DISCLAIM LIABILITY THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE OR FREE FROM VIRUSES OR OTHER DEFECTS OR HARMFUL COMPONENTS, NOR DO WE MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE ONLINE PAYMENT SERVICE, OR AS TO THE ACCURACY, RELIABILITY OR CONTENT OF ANY INFORMATION PROVIDED THROUGH THE SERVICE. WE MAKE NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE, NONINFRINGEMENT, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. YOU EXPRESSLY AGREE THAT THE USE OF THIS SERVICE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSABLE BY APPLICABLE LAW, THIS DISCLAIMER OF LIABILITY APPLIES TO ANY CLAIMS, LOSSES, ACTIONS, DAMAGES, OR INJURY RESULTING FROM ANY FAILURE OF PERFORMANCE OF THE SERVICE; ERROR, OMISSION, INACCURACY, INTERRUPTION, DEFECT, DELAY OR INTERRUPTION IN OPERATION OR TRANSMISSION; COMMUNICATION LINE FAILURE; SECURITY BREACH; OR UNAUTHORIZED ACCESS TO, ALTERATION OF OR USE OF INFORMATION. IN NO EVENT SHALL THE ONLINE PAYMENT SERVICE, OR ITS AFFILIATES, BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING OUT OF THE USE OR INABILITY TO USE THE SERVICE, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES. CERTAIN STATES DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU.
By visiting the Online payment service, you agree that the laws of the State of Michigan will govern these Terms of Use, and any dispute relating to the Service provided herein shall be subject to the jurisdiction of the courts of the State of Michigan.
This Agreement and other agreements, policies, and any operating rules posted on the Online payment service, constitute the entire agreement between you and us with respect to use of the service and supersede all previous written or oral agreements between the parties with respect to such subject matter. The Online payment service reserves the right at any time to change, add or delete any aspect or feature of the service, and the Terms and Conditions thereof, including but not limited to, respective convenience fees. We will provide notice of any such change by posting a notice to the website or as otherwise required by law. Any use of the Online payment service by you after such notice shall be deemed to constitute acceptance by you of such changes. Any waiver of our rights must be in writing and signed by us. Should any provision of this Agreement be held invalid or unenforceable by any court of competent jurisdiction, the remaining provisions shall remain in full force and effect.
UNFORTUNATELY, NO DATA TRANSMISSION OVER THE INTERNET CAN BE GUARANTEED TO BE 100 PERCENT (100%) SECURE. AS A RESULT, ALTHOUGH EVERY EFFORT IS MADE TO PROTECT YOUR PERSONAL INFORMATION, WE CANNOT ENSURE OR WARRANT THE SECURITY OF ANY INFORMATION YOU TRANSMIT TO US OR FROM OUR ONLINE SERVICES, AND YOU DO SO AT YOUR OWN RISK.
When you select payment via direct debit of your bank account, you authorize the Online payment service to initiate an automated clearing house (ACH) payment (withdrawal) from the financial institution and checking account you specify, in the payment amount you authorized.
You may request that payments be paid on a pre-authorized basis through Electronic Funds Transfer ("EFT"). By electing to enroll in the pre-authorized online payment service, you have authorized the processing of each pre-authorized payment via a direct debit of funds from your selected financial institution account. If your financial institution refuses payment for insufficient funds, closed or unauthorized accounts, or any other reason, you will be charged a Returned Payment Fee as allowed by your State by a direct debit via an electronic funds transfer (EFT) transaction from your account. This is in addition to any charges your financial institution may assess to you. Upon the rejection of your original pre-authorized payment, the Online payment service or an authorized debt collection service will make additional attempts to execute the EFT transaction for up to thirty (30) days following the initial refusal. At the end of the thirty-day period, if there has not been a successful transfer of funds, your pre-authorized payment will be terminated. When you use the Online payment service for a pre-authorized payment, you are agreeing to all Terms and Conditions of the Online payment service. You have the right to revoke your enrollment and any pre-authorized pending payment at any time prior to transaction processing. You can do so by logging into the Online payment service and canceling desired scheduled payments and pre-authorizations. If you terminate your pre-authorized payment(s) prior to our daily processing cycle, no payment will be processed, and you will be responsible for taking the appropriate actions in order to make your payment(s). Any revocation of your authorization through the EFT enrollment will not take effect until after receipt by the Online payment service and will result in the discontinuance of all pending and pre-authorized EFT enrollment payment(s). After canceling your EFT enrollment payments, you will then be responsible for taking appropriate action to make future payments using another method of payment. The copy of your EFT transaction authorization can be printed or saved electronically to your computer for your records.
For each payment transaction, your bank or credit union may assess its customary per-check or item-handling charge, if any. In addition, you also agree to pay us a Return Payment Fee not to exceed the amount permitted by your state law. We may collect Return Payment Fees through a separate EFT transaction when your payment is returned by your financial institution or ACH Operator, for each dishonored direct debit, check or draft to reimburse us for costs of collection. Your bank or credit union may also assess its customary charge for such items.
When an online payment transaction is not honored by your bank or credit union, we have the right to collect the dishonored payment amount by resubmitting the ACH payment in accordance with the NACHA Rules and Regulations or by employing a debt collection service. We may cancel your right to participate in the Online payment service at any time and for any reason.
You represent and warrant that all information you have provided regarding Recurring Credit Card Payments is correct. Payments charged to your credit or debit card under Recurring Credit Card Payment are subject to your credit/debit card account being in good standing. Any payment exceeding your available credit/debit card limit at the time the payment is posted to your account will be unsuccessful. You should therefore ensure that there is sufficient credit/debit card limit for these payments. If any payment charged to your credit/debit card is unsuccessful for any reason, you will be responsible for arranging alternative payments and your Recurring Credit Card privileges may be revoked.
You must electronically update the Online payment service regarding changes in your credit card, debit card or checking account information. You must update your existing EFT enrollment or Recurring Credit Card Payment account information by visiting the Online payment service. In order to ensure that important notices and other information are delivered to you from time to time, you must visit the Online payment service and update your email address. When you use a new checking account the information you provide will be reviewed by a third-party, for account verification purposes. When the checking account verification results in a non-approval, you will be asked to use a different form of payment, and you have the right to contact the third party at following Contact to dispute account verification results.
Email: contact@lq-pay.com