TERMS AND CONDITIONS
Last Updated: September 23, 2026
These Terms and Conditions (“Terms”) govern your access to and use of the website and online services provided by Lela Mae Portfolio Management Group (“Lela Mae,” “we,” “us,” or “our”), including https://www.lelamae.com and related online account and payment services (collectively, the “Site”).
By accessing or using the Site, you agree to these Terms and our Privacy Policy. If you do not agree with these Terms, please discontinue use of the Site.
1. Use of the Site
The Site is intended for individuals who are at least 18 years old. You agree to use the Site only for lawful purposes and in accordance with these Terms.
You may not attempt to gain unauthorized access to the Site, interfere with its operation or security, introduce malicious code, impersonate another person, misuse account information, use automated tools to improperly access or collect information, or otherwise use the Site in violation of applicable law.
Information provided through the Site should be accurate and complete. We may restrict or terminate access when necessary to protect account information, maintain security, prevent misuse, or comply with applicable law.
2. Account and Payment Services
The Site may allow you to review account information, communicate with Lela Mae, make authorized payments, or manage an approved payment arrangement.
Lela Mae currently accepts eligible Visa and Mastercard debit-card payments through its payment services. You are responsible for providing accurate payment and account information when authorizing a transaction.
Payments will be processed in accordance with the authorization you provide and applicable law. If you establish a scheduled or recurring payment arrangement, payments will be processed according to the terms of that authorization until the arrangement is completed, modified, or canceled as permitted by the agreement and applicable law.
Payment errors, reversals, refunds, cancellations, or adjustments will be handled in accordance with applicable law, payment-network requirements, and the terms governing the applicable account or payment authorization.
If you need assistance with a scheduled payment or payment arrangement, contact us at (833) 206-7006.
3. Text Messaging / SMS Terms
Participation in the Lela Mae Portfolio Management Group SMS program is optional. Consumers may enroll through our website by providing a mobile telephone number and affirmatively selecting the separate SMS consent option.
By opting in, you agree to receive account-related text messages from Lela Mae Portfolio Management Group. Messages may include account notifications, payment reminders, payment-plan notices, and other account-servicing communications.
Message frequency may vary. Message and data rates may apply.
Reply STOP at any time to opt out of text messages. You may receive a final message confirming your opt-out. Reply HELP for assistance or contact us at (833) 206-7006 or support@lelamae.com.
SMS consent is voluntary and is not required to submit a website form, make a payment, or receive account servicing. Consent to receive SMS messages is obtained separately from consent to receive email or other forms of communication.
Our Privacy Policy, including information about how mobile information and SMS consent are handled, is available at: https://www.lelamae.com/privacy Our SMS enrollment form is available at: https://www.lelamae.com/
Wireless carriers and messaging service providers are not responsible for delayed or undelivered messages.
4. Electronic Communications
When you voluntarily communicate with us electronically, including by submitting an online form or sending an email, you agree that communications, notices, disclosures, agreements, and records relating to that interaction may be provided electronically to the extent permitted by applicable law.
Electronic signatures and electronic records may be used when permitted by law. Merely visiting or using the Site does not constitute consent to receive SMS text messages.
SMS consent is obtained separately through the SMS opt-in process described above.
5. Privacy
Your privacy is important to us. Our collection, use, disclosure, and protection of personal information are governed by our Privacy Policy:
https://www.lelamae.com/privacy
The Privacy Policy contains additional information regarding mobile information and SMS consent. Mobile information and SMS opt-in data will not be sold or shared with third parties for promotional or marketing purposes, subject to the limited service-provider disclosures described in the Privacy Policy.
6. Intellectual Property
Unless otherwise indicated, the Site and its content, including text, graphics, logos, designs, software, and other materials, are owned by or licensed to Lela Mae Portfolio Management Group and are protected by applicable intellectual-property laws.
You may use the Site and its content for your personal, lawful use. You may not reproduce, distribute, sell, modify, republish, commercially exploit, or otherwise use Site content without prior written authorization except where permitted by law.
7. Site Availability and Accuracy
We work to maintain accurate information and reliable access to the Site, but we do not guarantee that the Site will always be uninterrupted, error-free, or available.
Information on the Site may occasionally contain errors or omissions. We reserve the right to correct or update information and to modify, suspend, or discontinue Site functionality when reasonably necessary.
Nothing on the Site modifies any rights or obligations imposed by applicable federal or state consumer-protection or debt-collection law.
8. Limitation of Liability
To the fullest extent permitted by applicable law, Lela Mae Portfolio Management Group will not be liable for indirect, incidental, special, consequential, or punitive damages arising solely from use of or inability to access the Site.
Nothing in these Terms is intended to waive, restrict, or eliminate any consumer right or remedy that cannot legally be waived or limited.
9. Disputes and Account Questions
If you have a question or dispute concerning an account, you may contact us or submit written correspondence to:
Lela Mae Portfolio Management Group
522 Elmwood Ave #4
Buffalo, NY 14217
Please include sufficient information for us to identify the account and understand your request. Do not include unnecessary sensitive information in unsecured communications.
These Terms are governed by applicable federal law and the laws of the State of New York, without regard to conflict-of-law principles.
Nothing in these Terms modifies any separate written arbitration, dispute-resolution, settlement, payment, or account agreement that may apply between you and Lela Mae Portfolio Management Group or another party.
10. Changes to These Terms
We may revise these Terms periodically to reflect changes in our services, technology, business practices, or legal requirements. When changes are made, we will update the “Last Updated” date above and provide additional notice when required by law.
Continued use of the Site following an update is subject to the revised Terms except where additional consent is required by applicable law.
11. Contact Us
For questions about the Site or these Terms, contact:
Lela Mae Portfolio Management Group
522 Elmwood Ave #4
Buffalo, NY 14217
Phone: (833) 206-7006
Email: support@lelamae.com
Website: https://www.lelamae.com/