Effective date: October 18, 2026
Company: Saving America Money, LLC, a Missouri limited liability company ("Saving America Money," "SAM," "we," "us")
Contact: alerts@savingamericamoney.com · 308 S Water St, Unit 33, Ozark, MO 65721
These Terms of Service ("Terms") govern your use of savingamericamoney.com, our online business directory, client accounts, Premium Postcard advertising, and our Sales Partner (affiliate) Program (together, the "Services"). By creating an account, buying a listing or ad space, or joining the Sales Partner Program, you agree to these Terms. If you are agreeing for a business, you confirm you have authority to bind that business.
1. Our Services
Saving America Money helps local businesses get found and get calls through:
- Online Directory Listings with a client account for managing leads, plus optional upgrades (such as ads, tracking phone numbers, AI chat and receptionist tools, and reputation tools).
- Premium Postcard Advertising — ad spaces on a shared 9" x 12" postcard mailed to households in a target route.
- Marketing services such as Google Business Profile and reputation management, websites and portals, and advertising.
- The Sales Partner Program for approved independent representatives who sell our Services.
Features, pricing, and plan contents are described on our website and in your order, and may change as described in Section 15.
2. Accounts
You must provide accurate information and keep your login secure. You are responsible for all activity under your account. You must be at least 18 years old to use the Services. We may suspend or close accounts that violate these Terms.
3. Directory Listings and Subscriptions
- Billing. Listings and plan upgrades are billed monthly in advance and renew automatically until cancelled.
- Cancellation. You may cancel at any time; cancellation takes effect at the end of the current billing period. We do not refund partial months.
- Usage allowances. Plans that include AI, messaging, calling, or advertising credits include a capped monthly allowance. Unused allowances do not roll over unless your plan says otherwise, and usage beyond your allowance requires an upgrade or add-on purchase.
- Leads. Leads from your listing, postcards, and other SAM advertising are delivered to your client account. You are responsible for following up with and lawfully contacting your leads.
4. Premium Postcard Advertising
4.1 Routes and exclusivity. Each postcard is built for a route around a center ZIP code. We sell one ad space per business category per route ("category exclusivity"). Exclusivity applies only to paid ad spaces on the specific route and drop you purchased; it does not restrict other routes, other SAM products, or house ads.
4.2 Mail schedule. Routes may be mailed in rotating sections (for example, quadrants) so households receive multiple touches per year. Each mailing is a "drop." We will tell you the target drop date for your spot.
4.3 Payment deadline — 15 days. Every ad space must be paid in full at least fifteen (15) days before the scheduled print and mail date for that drop. If payment is not received by the deadline, your spot is released and may be sold to another business, including a competitor in your category. Your account will revert to your online directory listing. If your plan included a tracking phone number, you may keep it as a paid add-on.
4.4 Minimum card fill. A postcard is printed and mailed only when at least ten (10) of its twelve (12) ad spaces are paid by the payment deadline. Any remaining open spaces may be filled with Saving America Money house ads, such as an "Advertise on Saving America Money" ad or a Business Efficiency Experts coaching or learning ad. If fewer than ten spaces are paid by the deadline, the card is held, and paid advertisers' spots and payments carry over to the next scheduled drop for that route. Saving America Money does not issue cash refunds for drops that do not fill; paid spots and payments continue to carry forward to the next scheduled drop until the card fills. At your request, Saving America Money may instead apply your payment as store credit toward a future drop.
4.5 No long-term contract. You buy the drops you want. Multi-drop commitment options and their incentives are described in your order; commitment incentives end if a drop is not paid by its deadline.
4.6 Ad content and approval. You are responsible for the accuracy and legality of your ad content, including licenses, offers, pricing, and claims. We will provide a proof before printing. You must approve or request changes by the deadline stated on your proof; if you do not respond, we may print the most recent proof or a standard version of your ad. We may refuse or edit any ad that is misleading, unlawful, offensive, or inconsistent with our brand standards.
4.7 Tracking. Ad spaces may include a dedicated QR code and/or tracking phone number so you can measure scans and calls. Call recording, where used, follows the disclosures in your account.
4.8 Delivery and print. Postcards are delivered by the U.S. Postal Service. We are not responsible for postal delays, carrier errors, undeliverable addresses, or minor color and cut variation in printing. A mailing to the agreed route counts as delivered.
4.9 No guaranteed results. We do not guarantee any number of calls, scans, leads, or sales from any ad.
5. Payments, Taxes, and Disputes
Prices are in U.S. dollars and exclude applicable taxes, which you agree to pay. You authorize us and our payment processor to charge your payment method for all amounts due, including renewals. If a payment fails, we may suspend Services until it is resolved. Please contact us before filing a chargeback; disputed amounts may result in suspension of your account and release of your ad spaces.
6. Refunds
Postcard ad spaces are non-refundable once the payment deadline for that drop has passed, because the card is committed to print. Before the deadline, you may ask to move your payment to a future drop on the same route, subject to availability. Subscription fees are non-refundable except where required by law.
7. Communications and Consent
By providing your phone number and email, you agree that Saving America Money may contact you about your account, your orders, and our Services by call, text, and email, including automated messages. Message and data rates may apply. Reply STOP to opt out of texts at any time. When you use our messaging, calling, or AI tools to contact your own leads, you are responsible for obtaining required consent and complying with applicable laws, including the Telephone Consumer Protection Act and CAN-SPAM.
8. Sales Partner (Affiliate) Program
8.1 Joining. Participation is by approval only. Applicants complete an interview, and approved candidates receive an invitation to join through our affiliate platform. We may approve or decline any applicant.
8.2 Independent contractor. Sales Partners are independent contractors, not employees, agents, or franchisees of Saving America Money. Partners control their own schedules and methods, pay their own expenses, and are responsible for their own taxes. We may require a Form W-9 and will issue tax forms as required by law.
8.3 No fees to join; no pay for recruiting. There is no fee to join, and no purchase is required. Commissions and team overrides are paid only on real advertiser and client purchases. No one is paid simply for recruiting another partner.
8.4 Commissions and ranks. Partners earn commission on paid ad spaces and accounts they sell, at rates set by their rank under the current Sales Partner Compensation Plan. Rank is based on the number of active postcards a partner manages. A card is active when it meets the paid-and-minimum-fill rules in Section 4 for its latest drop. Ranks are reviewed each drop cycle, with one cycle of grace before a rank decreases.
8.5 Team overrides. Partners may earn overrides on sales by partners they personally recruited (Level 1) and by those partners' recruits (Level 2), as set out in the Compensation Plan. To earn overrides, a partner must personally maintain the minimum number of active cards stated in the Compensation Plan. A recruiter relationship is recorded only when the new partner signs up through the recruiter's recruitment link.
8.6 When commissions are earned. Commissions are earned only on payments we actually collect. If a sale is refunded, charged back, or not collected, the related commissions and overrides are reversed and may be deducted from future payouts. House-ad spaces earn no commission. Commission payouts follow the schedule, holding period, and minimum shown in the partner portal.
8.7 Card assignment. We may assign routes and cards to partners and may reassign a card that is not being actively managed. When another partner refers a business to a card, that partner earns the commission on that business's ad space.
8.8 Conduct. Partners must represent the Services honestly; must not make income claims or guarantee advertising results; must not spam, misuse our trademarks, or bid on our brand name in paid search without permission; and must follow all applicable laws. We may suspend or end a partner's participation for violations and withhold commissions earned through prohibited conduct.
8.9 No income guarantee. Earnings depend on each partner's own effort, skill, and market. Examples of earnings are illustrations, not promises.
8.10 Changes. We may update the Compensation Plan with at least thirty (30) days' notice. Changes do not reduce commissions already earned.
9. Acceptable Use
You may not use the Services to post false, misleading, infringing, defamatory, or unlawful content; to send unsolicited messages; to interfere with or reverse-engineer the Services; or to access other users' data.
10. Your Content and Our License
You keep ownership of the logos, images, text, and other content you provide. You grant Saving America Money a non-exclusive, royalty-free license to use, reproduce, and display that content to provide the Services, including on postcards, in the directory, in your client account, and in samples showing our work. You confirm you have the rights to everything you provide.
11. Our Intellectual Property
The Saving America Money name, logos, postcard designs and layouts, website, and software are owned by us or our licensors. You may not copy or use them without our written permission, except as needed to use the Services.
12. Third-Party Services
The Services rely on third parties, such as payment processors, our affiliate platform, interview software, printers, and the U.S. Postal Service. Your use of those services may be subject to their terms, and we are not responsible for their acts or omissions.
13. Disclaimers
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE ANY BUSINESS RESULTS.
14. Limitation of Liability and Indemnity
TO THE FULLEST EXTENT PERMITTED BY LAW, SAVING AMERICA MONEY WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS OR REVENUE. OUR TOTAL LIABILITY FOR ANY CLAIM IS LIMITED TO THE AMOUNT YOU PAID US FOR THE SERVICE GIVING RISE TO THE CLAIM IN THE THREE (3) MONTHS BEFORE THE CLAIM.
You agree to defend and indemnify Saving America Money from claims arising out of your ad content, your business, your contact with leads, or your violation of these Terms or the law.
15. Changes to These Terms
We may update these Terms. We will post the new version with a new effective date and, for material changes, notify you by email or in your account. Continued use after the effective date means you accept the updated Terms.
16. Termination
You may stop using the Services at any time. We may suspend or terminate your access for violation of these Terms or non-payment. Sections that by their nature should survive termination (including payment obligations, commission reversals, intellectual property, disclaimers, limitation of liability, and indemnity) will survive.
17. Governing Law
These Terms are governed by the laws of the State of Missouri, without regard to conflict-of-law rules. Any dispute will be brought in the state or federal courts located in Christian County, Missouri, and you consent to their jurisdiction.
18. Contact
Questions about these Terms: alerts@savingamericamoney.com · 308 S Water St, Unit 33, Ozark, MO 65721