Billing Cycle.  The billing cycle begins on the first of each month and ends on the last day of each month. During the first part of each month, you will receive an electronic invoice through email. 

Late Payments:  A late fee of $10 will be assessed to accounts where payment is not received 15 days past the due date. Accounts 30 days delinquent will be suspended. Accounts 60 days delinquent will be closed. Updates for accounts past due will not be authorized.

Payment.  We accept checks, money orders, Visa, Mastercard and Discover. Please make checks and money orders payable to Spectra Creations. 

Declined Payment.  A $20 penalty will be assessed for returned checks, plus any additional fees incurred by banking institutions. 

Terminations.  To close your account, contact Spectra Creations in writing through US Mail or email with your termination request. Your request must include your accounts web address, your name and a reason for termination. Upon receipt of your request, we will contact you to verify termination. Your account will be closed effective the first day of the following month. 

Reactivation.  If your account is suspended due to delinquent payment, a fee of $20 will be assessed to your account for reactivation. To reopen closed accounts, standard account activation fees apply. 

Pro-ration.  New account fees are prorated during the first month based on the monthly rate.