Buy Now, Pay Later Disclosure

What Is Buy Now, Pay Later

“Buy Now, Pay Later” (“BNPL”) refers to point-of-sale financing that allows consumers to pay for purchases in installments over a short period, typically four equal payments over six to eight weeks. Upmos offers BNPL through third-party lenders. This Disclosure summarizes how those options work, who provides them, and what consumer-protection rights apply.

Third-Party Providers

At Upmos, Buy Now, Pay Later is offered exclusively as the interest-free “Pay in 4” product — four equal, interest-free installments — through the following four third-party lenders (the “BNPL Providers”):

• Affirm — Pay in 4: four interest-free installments;
• Klarna — Pay in 4: four interest-free installments;
• Afterpay (a Block Inc. company) — Pay in 4: four interest-free installments;
• PayPal Pay in 4 — four interest-free installments through PayPal.

The BNPL options available may vary based on the order amount, your location, your eligibility as determined by each lender, and the BNPL Providers we have engaged from time to time. Upmos is not a lender and does not extend credit.

Application of Each Lender's Terms

Each BNPL Provider is a separate legal entity that operates under its own terms of service, privacy policy, and loan agreement. When you select a BNPL option at Upmos checkout, you are routed to that lender’s flow, and you must accept the lender’s terms to complete the financing. Upmos does not control:

• The lender’s approval decision;
• The interest rate or APR (if any);
• The late-payment, returned-payment, and other fees;
• The lender’s credit-bureau reporting practices;
• The lender’s collection practices.

Review each lender’s terms before selecting BNPL.

Costs at a Glance

Exact terms are disclosed at the time of application by the BNPL Provider and are governed by the loan or installment agreement you sign with that lender.

Your BNPL Consumer-Protection Rights

In an Interpretive Rule issued in May 2024 (89 Fed. Reg. 47068), the Consumer Financial Protection Bureau (CFPB) took the position that “Pay-in-4” BNPL products are subject to certain Subpart B requirements of Regulation Z (12 CFR Part 1026) — the regulation that implements the federal Truth in Lending Act (15 U.S.C. § 1601 et seq.). The status of that rule is uncertain: in 2025 the CFPB announced it would not prioritize enforcement of the rule and signaled its intent to rescind or revise it, and the rule has been the subject of legal challenge. Your actual dispute and refund rights for a BNPL purchase therefore depend on (a) your agreement with the BNPL Provider, (b) the protections that Provider voluntarily offers, and (c) applicable federal and state law.

Where these protections apply, they are similar to credit-card billing-dispute rights and may include:

• Disputing a charge for goods not received, defective goods, or unauthorized transactions, typically by submitting a billing dispute to the BNPL Provider within sixty (60) days of the first statement reflecting the charge;
• A written response from the BNPL Provider, generally within thirty (30) days of acknowledging your dispute, with resolution within two billing cycles;
• A refund on returned merchandise, generally on a timeline comparable to a credit-card refund.

Because the availability of these protections can vary, review your BNPL Provider’s current terms and contact the Provider directly — using the contact information in your loan or installment agreement — to exercise any dispute or refund right. You may also file a complaint with the CFPB or your state regulator (see Reporting Complaints).

Refunds and Returns

If you return a product purchased with BNPL, Upmos will issue a refund to the BNPL Provider, which will then adjust your remaining installments and (if applicable) refund any payments already made, generally within 7 to 14 business days. You remain responsible to the BNPL Provider for any installments due before the refund is processed; failure to pay may result in late fees or interest. Contact the BNPL Provider if you have questions.

Credit-Bureau Reporting

Some BNPL Providers report some BNPL accounts to credit bureaus. Late payments, missed payments, or defaults may negatively affect your credit. Some providers also report on-time payments, which may positively affect your credit. Review each provider’s credit-reporting practices before selecting BNPL.

If a BNPL Provider furnishes information about you to a consumer reporting agency, you have rights under the federal Fair Credit Reporting Act (FCRA, 15 U.S.C. § 1681 et seq.), including the right to dispute inaccurate or incomplete information with both the credit bureau and the Provider that furnished it; the bureau and furnisher must investigate and correct verified inaccuracies. Upmos does not furnish BNPL repayment data to credit bureaus — the BNPL Provider is the furnisher.

Privacy and Information Sharing

To process a BNPL transaction, Upmos shares the order amount, your billing/shipping address, and limited cart information with the BNPL Provider. The BNPL Provider may collect additional information directly from you (date of birth, SSN last 4 digits, soft credit check). The provider’s use of this information is governed by its privacy policy.

Servicemembers

The Military Lending Act (10 U.S.C. § 987) limits the cost of consumer credit for active-duty servicemembers and their dependents. If you are a covered borrower, the BNPL Provider’s APR (where applicable) is capped at 36% (the Military Annual Percentage Rate). The BNPL Provider is responsible for compliance.

Limitations

BNPL is not available for orders containing gift cards, certain restricted items, or above the provider’s individual transaction limit. BNPL is generally not available for U.S. territories or for delivery addresses outside the BNPL Provider’s coverage area.

Reporting Complaints

If you have a complaint about a BNPL Provider that is not resolved by the provider directly, you may file a complaint with the CFPB at consumerfinance.gov/complaint, or with your state’s financial-regulation department.

Contact

Email: support@upmos.com

How Can You Contact Us About This Policy?

If you have any further questions or comments or wish to report any problematic Content or Contribution, you may contact us by:

General Contact

• Phone: 1-855-MERCHED (1-855-637-2433) (Mon–Fri, 9 AM–5 PM Central Time)
• General Support: support@upmos.com
• Report Issue: upmos.com/report
• Send Feedback: upmos.com/feedback

Department Directory

Mailing Address

Upmos Inc.
9896 Bissonnet St
Houston, TX 77036
United States