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Installment Payment Plans

Depending on respective credit scores, and / or payment history with Sternic Law Offices, certain clients could be eligible for Installment Payment Plan.  Our interest rates start from as low as 4.99% and could go up to 19.99%.  For more details and your eligibility, please contact Mr. Ivan M. Sternic, our managing partner.

Credit Card Payments

Sternic Law Offices is now accepting payments made by Visa, MasterCard, Discover Card, and your bank Debit Cards.  This exceedingly convenient payment option is provided to our clients by ePayOps, an independent payment services company.  The payment processing mechanism takes advantage of the latest internet technology enabling Sternic Law Offices (your payee) to accept online credit card payments in minutes. 

ePayOps is committed to the privacy of your personal and credit card information.  The site has security measures in place to protect against the loss, misuse or alteration of the information you provide.  Under no circumstances is any of your personal information or financial data shared or distributed in any way with a third party not directly involved in the payment process.  The submission of your data is done from secure pages and the transmission of the data between your computer and the acquiring bank authenticating and approving the payment is encrypted by Secure Socket Layer (SSL) 128-bit encryption technology, the maximum level of security commercially available.

With your Visa, MasterCard or Discover Card in hand, you will be guided through five simple steps.  At the end of the transaction, the  confirmation screen will appear, and a confirmation email will be sent to you for your records.  Please read the User Agreement before submitting a payment to be processed. 

After reading the User Agreement, click on "I Agree" button to proceed.  It is located at the bottom of this page.

Credit Card User Agreement

1) Notice/Assent to Terms

This ePayOps' User Agreement ("Agreement") is a contract between you and ePayOps.  By using this site, you agree to pay the amount due toward each obligation indicated by you, based on the billing and account information you have provided.  This Agreement governs your use of ePayOps' website.  Before using ePayOps' website, please be sure that you carefully read and fully understand this Agreement.  ePayOps is willing to provide you with access to and use of its website only on the condition that you accept all of the terms and conditions contained in this Agreement.  You signify your acceptance of these terms and conditions of service by clicking the "I have read, understand and accept the User Agreement" ("Accept") radio button during the payment process and continuing to access or use this website, or any service available on this website.  In the alternative, any other access to or use of any page or part of ePayOps' web site or any of its services at any time will constitute your acceptance of and agreement to be bound by all the terms and conditions of this Agreement.  IF YOU DO NOT AGREE TO ALL OF THESE TERMS AND CONDITIONS DO NOT ACCESS THIS WEBSITE OR ANY SERVICES PROVIDED ON OR THROUGH THIS WEBSITE.

You may print this Agreement.  However, at any time and from time to time, ePayOps may modify these terms and conditions of access and use of its website.  Accordingly, please continue to review these terms and conditions of service whenever accessing or using this website.  Your use of ePayOps' website, or any service on this website, after ePayops has posted modifications to these terms and conditions will constitute your acceptance of any and all additional and modified terms and conditions without any need for or condition of clicking on the Accept button.  If, at any time, you do not wish to accept the terms and conditions of this Agreement as modified, you may not use ePayOps' website.  Any terms and conditions proposed by you which are in addition to or which conflict with these terms and conditions are expressly rejected by ePayOps and shall be devoid of all force and effect to the fullest extent allowed by applicable law.  Unless explicitly stated otherwise, any new features which enhance or augment ePayOps' current service offering shall be subject to the terms and conditions of this Agreement as modified.

2) Participating Partners, Eligibility, Services Availability

Your eligibility for use of the Services is subject to you having a relationship with a company or service provider who is an ePayOps Participating Partner (Payee) and to you owing money to that company or service provider.  In order to use ePayOps' website and use the Services through this website, you must obtain access to the World Wide Web and/or Internet, either directly or through other devices that access Web-based content, and you pay any service fees associated with such access.  In addition, you must supply all necessary equipment to connect to the World Wide Web and/or Internet, including a computer, a modem or other access devices.  System availability and access to the Services available on this Site may be limited or unavailable for reasons which may include, without limitation, system performance.  ePayOps makes no representations, warranties, or assurances as to the availability of this website. 

3) Description of Services

Through ePayOps' website ePayOps currently provides access to an internet-based credit/debit card payment service to our Participating Partners (Payee) and their respective customers which facilitates electronic payments for their fees and deposits.  Said payment service is referred to hereafter as the “Services.”

You, as the customer of a Participating Partner, are eligible to use the Services to pay your Payee's fees and deposits covered under our service agreement with the Participating Partner (Payee).  You will receive a timely email confirmation from ePayOps acknowledging ePayOps’ receipt of credit/debit card payments. 

4) Obligations

In consideration of your use of ePayOps' website and the Service if you use same, where you have provided ePayOps with information about yourself in response to prompting by this website, you agree to provide information about yourself that is true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete as of the date the information was provided, or if ePayOps has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, ePayOps reserves the right, without limitation, to suspend or terminate your Services usage and refuse any and all current or future use of this website and the Services (or any portion thereof).  You may not use the Services for any illegal purpose or in any manner inconsistent with the terms and conditions of service.  

5) Fees and Payments

ePayOps reserves the right at any time to charge and/or increase fees for access to portions of the Services or the Services as a whole.  You shall pay all fees and charges incurred at the rates in effect for the billing period in which such fees and charges are incurred.  Late fees may be assessed for payments made by credit/debit card media when they are made after the late dates and/or grace periods as established in agreements with Participating Partner (Payee).

6) Payment Cancellation, Credit and Refunds 

You identify your Participating Partner (Payee) and the sum you want to have paid each time you use the Services.  ePayOps has an obligation to you and your Participating Partner to have your payments forwarded reasonably promptly.  For payments you believe were improperly made, ePayOps may, in its sole discretion, void, rescind or issue a credit for your payment made through the Services at any time prior to the remittance of such payment to your Participating Partner (Payee).  If a payment dispute arises after payment is forwarded to your Participating Partner (Payee), the responsibility to settle the payment dispute rests with you and your Participating Partner (Payee).   You waive the right to cancel credit/debit card payments which have been cleared through ePayOps clearing entity.

7) License

While you may use ePayOps' website if you agree to the terms and conditions of this Agreement, you acquire no other rights with respect to this website except as follows.  You acquire absolutely no rights or licenses in or to the Services and materials contained within the Services other than the limited right to utilize the Services in accordance with the terms and conditions of this Agreement.  You may copy, download, print, display on your computer, retain, and use for your personal use purposes any payment confirmations available through the Services, and such copies or downloads are licensed to you by ePayOps only for your own personal, noncommercial, non-transferable, and non-exclusive use in accordance with the terms and conditions of this Agreement. All other rights are reserved to ePayOps and no other use permissions or rights are conveyed to you.  For example, and without limitation you may not: (a) reproduce and modify or add to any materials contained within the Services or any of this website’s pages, or include same in any item or material you create or distribute; or (b) otherwise exploit for any commercial purpose any portion of any materials contained within the Services or of this website or access thereto; or (c) establish: (1) a hyperlink, including without limitation a deep link, to any page or location on this website, or (2) a frame containing any portion of this website, on any other Website or text document with hyperlink capabilities; or (d) copy such content onto your or any other Website; or (e) direct any other person to do any of the foregoing.   

8) Intellectual Property 

ePayOps either owns or has obtained permission from the owner to use all of the content on ePayOps' website.   Notwithstanding the License section above, nothing contained in this Agreement shall be construed as conferring any ownership right under any intellectual property of ePayOps or any other person who owns the intellectual property in the content provided on ePayOps' website.

ePayOps' website, its underlying technology, and all information elements and website design elements, including but not limited to page text, content, photographs, video, audio, interfaces, graphics, the selection and the arrangement thereof, and the compilation thereof, is/are protected by patents, copyrights, trademarks, service marks, international treaties and/or other proprietary rights and laws of the United States and other countries.  You agree to abide by all applicable patent, trademark, copyright, and other laws. In particular, the names, logos, and icons on this website constitute trademarks or trade names of ePayOps or its affiliates.   The display of these trademarks or trade names on this website does not convey or create any license or other rights in them. Any use of them without prior written permission of ePayOps or their respective owner is strictly prohibited.

9) Third-Party Links

ePayOps' website may provide links or be connected to other sites on the World Wide Web and/or Internet that are owned and operated by third parties.  ePayOps makes no representations, warranties or assurances as to any information in such other sites, has no responsibility for their availability or content, and shall not be liable for any damages or injury arising from that content.  ePayOps disclaims any opinions expressed on such sites.  Any links to other sites are provided merely for your convenience and the inclusion of such links does not imply that ePayOps endorses the content of such sites.

10) Disclaimers 

The underlying technology, the Services, and all information elements and website design elements, including but not limited to page text, content, photographs, video, audio, interfaces, graphics, links, materials and other items contained in or offered on this website, the selection and the arrangement thereof, and the compilation thereof are provided on an “AS IS” and “AS AVAILABLE” basis with no warranties whatsoever.

In addition, ePayOps disclaims any and all warranties, responsibility or liability for the security, timeliness, helpfulness, quality, accuracy, content, completeness, currency, legality, reliability, operability, or availability of the World Wide Web, the Internet, the Services, results from using the Services, and Services performance and nonperformance, provided through, and the information or material contained on, this website.  ePayOps' website may contain inaccuracies or typographical errors.  ePayOps disclaims any warranties or responsibility for (a) advertised services and any services received through any links to this website, (b) the credit/debit card companies linked to this website and their performance or nonperformance, and (c) the deletion, failure to store, misdelivery, or untimely delivery of any information or material in respect of this website or the use thereof.

Any communications sent to you via this website or otherwise from ePayOps, and the contents of this website are provided for informational and educational purposes only, are not intended to provide legal, tax, or other advice, and should not be relied upon in that regard.

To the maximum extent permitted by law, ePayOps disclaims all representations and WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, with respect to such underlying technology, Services, all information elements and website design elements, including but not limited to page text, content, photographs, video, audio, interfaces, graphics, links, materials and other items contained in or offered on this website, the selection and the arrangement thereof, and the compilation thereof, including but not limited to WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS, title, freedom from computer virus, and implied warranties arising from course of dealing or course of performance.  In addition, ePayOps does not represent or warrant that the Services will be uninterrupted or error free.

Some states do not allow the exclusion of implied warranties, so these exclusions may not apply to you.

11) Limitation on Liability 

To the maximum extent permitted by law, ePayOps and its hosting contractor and credit/debit card payment processing companies and payment processing banks, collectively for this section, this website’s “service providers”, shall not be liable to you or any third party for any direct, indirect, special, punitive, incidental, exemplary, or consequential damages, or any other such damages whatsoever, arising out of or in connection with the Services, their use or your inability to use same, any inconvenience, delay or loss of use of the Services, the use or performance or nonperformance of this website, any communications sent to you via this website or otherwise from ePayOps (including without limitation in the form of electronic mail or via telephone), or material or information available from this website, including without limitation any damages suffered as a result of omissions or inaccuracies in such information, the transmission of confidential or private information to or from this website’s service providers, or otherwise arising out of or in connection with this website, even if ePayOps or any one of or all of this website’s service providers has been previously advised of the possibility of such damages, and whether in an action under contract, tort, statute, equity or any other federal or state law theory.

Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.

12) Indemnification

You agree, at your own expense, to indemnify, defend and hold harmless ePayOps and its employees, representatives, agents, suppliers including without limitation ePayOps hosting contractor, and credit/debit card companies used to help make your payments, from and against any claim, suit, action, or other proceeding brought against ePayOps, or its employees, representatives, agents, suppliers, or said hosting contractor, or otherwise arising out of or relating to the Services or this website, by a third party, to the extent that such a claim, suit, action, or other proceeding is based on or arises in connection with the Services, including, but not limited to: (1) your use or someone using your computer for use of the Services; (2) a violation of the terms and conditions of this Agreement by you or anyone using your computer; (3) a claim that any use of the Services, or the result of using the Services, by/from you or someone using your computer infringes any intellectual property right of any third party, or any right of personality or publicity, is libelous or defamatory, or otherwise results in injury or damage to any third party or violates any law; (4) any deletions, additions, insertions or alterations to, or any unauthorized use of, the Services or this website by you or someone using your computer; (5) any information you submit or transmit through this website including without limitation any misrepresentation, false or inaccurate information submitted, or breach of representation or warranty contained herein that is made by you; and/or (6) any dispute, refund, or claim made by you with respect to a credit/debit card payment you make using the Services including without limitation regarding the performance or quality of services you received from your lawyer in connection with the payment. You agree to pay any and all costs, damages and expenses attributable to any such claim, including, but not limited to, reasonable attorneys’ fees, settlements, and damages awarded or otherwise incurred by or in connection with or arising from any such claim, suit, action, or other proceeding.

13) Jurisdiction and Governing Law

You irrevocably agree that all actions or proceedings arising out of, from, or related to the terms and conditions of this Agreement shall be litigated in a state or federal court located within the State of Illinois.  You further hereby consent and submit to the jurisdiction of any such court and hereby waive any right to transfer or change the venue of any such litigation.   All actions or proceedings arising out of, from or related to the terms and conditions of this Agreement shall be governed and controlled by application of the laws of the State of Illinois as to interpretation, enforcement, validity, construction, effect and in all other respects, without regard to Illinois’ conflicts of law provisions.

14) Miscellaneous

14.1 Changes. You acknowledge that ePayOps has the right to change the information and material content or technical specifications of any aspect of the Services, or to otherwise modify, suspend or discontinue, temporarily or permanently, the Services or this website (or any part thereof) at any time and from time to time, for any or no reason, at ePayOps’ sole discretion, and without notice. You further accept that any such changes may result in you being unable to access the Services. You agree that ePayOps shall not be liable to you or to any third party for any such modification, suspension or discontinuance.  You further agree that ePayOps may assign its rights and duties under this Agreement to any party at any time without notice to you.

14.2 Captions and Headings. The headings contained herein are for convenience only and shall have no legal or interpretive effect.

14.3 Severability. If any provision of the terms and conditions of this Agreement, or the application thereof, is found invalid or unenforceable, that provision will be amended to achieve as nearly as possible the same economic effect as the original provision and the remainder of this Agreement will remain in full force.

14.4 Entire Agreement. The terms and conditions of this Agreement including the information submitted through forms contain the entire understanding and agreement between you and ePayOps with respect to its subject matter, superseding all prior or contemporaneous representations, understandings, and any other oral or written agreements between the parties with respect to such subject matter.

14.5 Waiver. No waiver of any provision herein shall be valid unless in writing and signed by an authorized representative of both you and ePayOps.   ePayOps’ failure to insist upon or enforce strict performance of any provision of this Agreement or any right shall not be construed as a waiver of any such provision or right.

14.6 Consent Representations and Warranties. By clicking the Accept button you represent and warrant that you have read, acknowledge and agree to be bound by the terms and conditions of this Agreement.  You further represent and agree that: (1) you have the power and authority to enter into this Agreement; (2) you are at least eighteen (18) years old; (3) you will comply with all United States law regarding the transmission of any data obtained from the Services and act in accordance with the terms and conditions of this Agreement; (4) you will not use the Services for illegal purposes, and (5) you will not interfere or disrupt networks connected to the Services.