Terms of Service

1. Acceptance of Terms

By accessing or using PayChaser.ai ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service. These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

PayChaser.ai provides automated accounts receivable management services, including:

• • AI-powered collection message generation and delivery
• • Integration with accounting software platforms
• • Automated payment reminder scheduling
• • Analytics and reporting on collection activities
• • Customer communication tracking and management

3. User Accounts and Registration

3.1 Account Creation

To use our Service, you must create an account by providing accurate, complete, and current information. You are responsible for safeguarding your account credentials and for all activities that occur under your account.

3.2 Eligibility

You must be at least 18 years old and have the legal authority to enter into these Terms. By using the Service, you represent and warrant that you meet these requirements.

3.3 Business Use

PayChaser.ai is intended for business use only. You represent that you are using the Service for legitimate business collection activities and in compliance with all applicable laws.

4. Subscription Plans and Billing

4.1 Subscription Tiers

We offer multiple subscription tiers with different features and usage limits. Current pricing and features are available on our website and may be updated from time to time.

4.2 Payment Terms

• • Subscription fees are billed in advance on a monthly or annual basis
• • All fees are non-refundable except as required by law
• • You authorize us to charge your payment method for all applicable fees
• • Failed payments may result in service suspension

4.3 Price Changes

We may modify subscription fees with 30 days' advance notice. Price changes will apply to your next billing cycle after the notice period.

5. Acceptable Use Policy

5.1 Permitted Use

You may use PayChaser.ai only for lawful business purposes and in accordance with these Terms. You must comply with all applicable laws, including but not limited to:

• • Fair Debt Collection Practices Act (FDCPA)
• • Telephone Consumer Protection Act (TCPA)
• • CAN-SPAM Act and anti-spam regulations
• • State and local collection laws

5.2 Prohibited Activities

You agree not to:

• • Use the Service for any illegal or unauthorized purpose
• • Send threatening, abusive, or harassing communications
• • Violate any applicable debt collection laws or regulations
• • Attempt to reverse engineer or access our systems improperly
• • Share your account credentials with unauthorized parties
• • Use the Service to collect on fraudulent or invalid debts

6. Data and Privacy

6.1 Your Data

You retain ownership of all data you input into the Service. You grant us a limited license to process this data to provide the Service. We will handle your data in accordance with our Privacy Policy.

6.2 Data Security

We implement appropriate technical and organizational measures to protect your data. However, no system is completely secure, and you acknowledge the inherent risks of data transmission.

6.3 Data Compliance

You are responsible for ensuring your use of the Service complies with applicable data protection laws, including obtaining necessary consents for communications sent through the Service.

7. Intellectual Property

The Service and its original content, features, and functionality are owned by PayChaser.ai and are protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works of our Service without express written permission.

8. Service Availability and Support

8.1 Service Level

While we strive for high availability, we do not guarantee uninterrupted service. We may perform maintenance that temporarily affects service availability.

8.2 Support

Support is provided according to your subscription tier. We aim to respond to support requests within our published timeframes but do not guarantee response times.

9. Termination

9.1 Termination by You

You may terminate your account at any time through your account settings or by contacting support. Termination will be effective at the end of your current billing period.

9.2 Termination by Us

We may suspend or terminate your account immediately if you violate these Terms, fail to pay fees, or engage in prohibited activities.

9.3 Effects of Termination

Upon termination, your access to the Service will cease, and we may delete your data after a reasonable retention period. You remain liable for all charges incurred before termination.

10. Disclaimers and Limitation of Liability

10.1 Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR LIABILITY IS LIMITED TO THE AMOUNT YOU PAID FOR THE SERVICE IN THE 12 MONTHS PRECEDING THE CLAIM. WE SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES.

11. Indemnification

You agree to indemnify and hold harmless PayChaser.ai from any claims, damages, or expenses arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

12. Governing Law and Disputes

These Terms are governed by the laws of [Jurisdiction]. Any disputes will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

13. Changes to Terms

We may modify these Terms at any time. We will provide notice of material changes via email or through the Service. Your continued use after changes constitutes acceptance of the modified Terms.

14. Contact Information

If you have questions about these Terms, please contact us: