DebtFlows Terms of Service

1. Acceptance of Terms

By accessing or using DebtFlows ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

DebtFlows is a debt collection automation platform that helps businesses manage and collect overdue payments through AI-powered communications, invoice tracking, and payment processing.

3. User Accounts

3.1 Registration Requirements

• You must provide accurate and complete information when creating an account
• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activities that occur under your account

3.2 Account Termination

We reserve the right to suspend or terminate your account for violations of these Terms.

4. User Responsibilities

4.1 Compliance with Laws

You agree to use the Service in compliance with all applicable laws, including but not limited to:

• Fair Debt Collection Practices Act (FDCPA)
• Telephone Consumer Protection Act (TCPA)
• General Data Protection Regulation (GDPR) where applicable
• Other relevant local, state, and federal laws governing debt collection

4.2 Customer Notification Requirements

Important: As a user of DebtFlows, you must:

• Clearly inform your customers in your payment terms or agreements that AI-powered communications may be used for payment follow-ups
• Ensure all communications are transparent and not misleading
• Avoid excessive messaging that could constitute harassment
• Obtain appropriate consent for automated communications where required by law

4.3 Content Restrictions

You may not use the Service to:

• Harass, abuse, or threaten others
• Send illegal, defamatory, or fraudulent content
• Infringe on intellectual property rights
• Violate any person's privacy

5. Payment Terms

5.1 Subscription Fees

• Fees are based on the subscription plan you select
• Payments are due according to the billing cycle you choose
• We reserve the right to change our fees with notice

5.2 Refunds

Refund policies are specified in your subscription plan details.

6. Intellectual Property

6.1 Our Intellectual Property

The Service, including all content, features, and functionality, is owned by DebtFlows and is protected by copyright, trademark, and other intellectual property laws.

6.2 Your Content

You retain all rights to your content. By uploading content to the Service, you grant us a license to use, modify, and display that content solely for the purpose of providing the Service.

7. Limitation of Liability

To the maximum extent permitted by law, DebtFlows shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the Service.

8. Disclaimer of Warranties

The Service is provided "as is" without warranties of any kind, either express or implied.

9. Indemnification

You agree to indemnify and hold harmless DebtFlows from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

10. Modifications to the Service

We reserve the right to modify or discontinue the Service at any time, with or without notice.

11. Governing Law

These Terms shall be governed by the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

12. Dispute Resolution

Any disputes arising from these Terms will be resolved through arbitration in accordance with the rules of [Arbitration Association] in [Your Jurisdiction].

13. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

14. Entire Agreement

These Terms constitute the entire agreement between you and DebtFlows regarding the Service.

15. Contact Information

For questions about these Terms, please contact us at:

• Email: debtflows.ai@gmail.com