Terms and Conditions

EZ Pay allows the customer the flexibility to pay for their order via the EZ Pay installment payment plan (“EZ Pay”). The purchaser that utilizes EZ Pay (“Purchaser”) agrees that their credit card will be charged in installments (“Installments”) once every 2 weeks for a maximum of 2 months (including initial payment) until their order is paid in full. The number of payments will be proportionate with the number of payments remaining in the EZ Pay payment terms.

EZ Pay Example

$1,000 purchase


Amount of Payment

Due Date

Initial Payment


Date of Purchase

2nd Payment


2 weeks after initial purchase

3rd Payment


4 weeks after initial purchase

1.Use of Proceeds and Disbursement Authorization

By electronically accepting this Agreement and completing a purchase, you agree to pay the down payment amount to us, and we agree to disburse the proceeds under this Agreement to the merchant listed. You promise to repay us the amounts disclosed in your Final Payment Schedule provided to you electronically as part of this Agreement. You also agree to pay any applicable Late Fees (as defined below) you incur under this Agreement.

2.Installment Payments

When you accept this Agreement and place an order, you will identify your preferred method of payment, designating an eligible US-issued credit or debit card as your “Payment Method.” In addition to any required down payment, you must make either three (2) or three (3) payments to us (each, an “Installment Payment”) in the amounts shown under “Remaining Payment Schedule” in your Final Payment Schedule. You are responsible for ensuring that you have sufficient funds available to make Installment Payments on the dates specified in your Final Payment Schedule.

If you make all Installment Payments in full on their due dates, your final payment will be made on the Maturity Date identified in the Final Payment Schedule. You may prepay all amounts due under this Agreement in whole or in part at any time without a penalty and may make any payment early, in whole or in part, without penalty or premium at any time.

3.Late Payments

There are no finance charges or interest associated with this Agreement. However, if an Installment Payment is not paid on or prior to the due date specified in the Final Payment Schedule and remains unpaid for a period of ten (10) days after the due date (or such additional grace period required by applicable law), the Late Fee indicated in the Payment Schedule (if any) will be imposed, up to a maximum of $10.00 and which in no event will exceed the maximum late fee permitted by applicable state law. Additionally, the aggregate sum of Late Fees associated with a particular order will not exceed 25% of the order value at the time of purchase. Thus, lower value purchases may be subject to fewer or lesser Late Fees in the event of late payment.

4.Delinquency and Default

If you fail to make any payment when due in the manner required by this Agreement, you will be delinquent. If you are delinquent, have filed or have instituted against you bankruptcy or insolvency proceedings or are in breach any other material term of this Agreement, we may, to the extent and at the time permitted by applicable law, deem you in default and accelerate the maturity of this Agreement and all payments due hereunder. If you fail to make a payment required under this Agreement, we reserve the right to limit, restrict, suspend or terminate your access to your Michigan Builders License LMS account and any course content.

PLEASE NOTE: In most circumstances, relevant banks will void a pre-authorization transaction within a few hours of the pre-authorization transaction being conducted by Michigan Builders License. However, in some observed instances, banks have taken up to fourteen (14) days to finalize this process. Unfortunately, we do not have any control or influence over the timing of your bank’s ability to finalize this process and Michigan Builders License makes no representations on this subject matter.

5.Complaints and Disputes

If you have a complaint with us arising out of or related to this Agreement, you should contact us at support@michiganbuilderslicense.com