Terms & Conditions

Draft template. This is a starting template, not legal advice. Review and adapt with qualified counsel before publishing.

These Terms & Conditions ("Terms") govern your access to and use of the DebtOps website and accounts-receivable recovery platform (the "Service"). By using the Service you agree to these Terms. If you are agreeing on behalf of a business, you represent that you are authorised to bind it.

1. The Service

DebtOps provides software and services that recover overdue receivables on your behalf through automated and AI-assisted communications across email, SMS, and voice.

2. Accounts & eligibility

You must provide accurate account information and keep it current. You are responsible for activity under your account and for maintaining the confidentiality of your credentials.

3. Fees

• No setup fee, no monthly platform fee, and no minimums.
• A success fee, from 1%, applies only to amounts we recover. If we recover nothing, you owe nothing.
• Fees are exclusive of taxes unless stated otherwise. Specific rates are set out in your order or sign-up.

4. Your data & authorisation

You authorise DebtOps to access the receivables and contact data you connect or upload and to communicate with the relevant customers on your behalf to recover overdue amounts. You represent that the debts are valid and owed to you, that the contact details are accurate, and that you have the right to instruct us to contact those customers.

5. Acceptable use

• Do not use the Service for unlawful purposes or to pursue debts you are not entitled to collect.
• Do not upload data you do not have the right to share, or attempt to disrupt or reverse engineer the Service.

6. Compliance

DebtOps operates its recovery communications in line with applicable regulations, including FDCPA, TCPA, and Reg F. You remain responsible for the legitimacy of the underlying debts and for your own legal obligations as a creditor. See our compliance overview.

7. Intellectual property

DebtOps and its licensors own all rights in the Service and its software. We grant you a limited, non-exclusive, non-transferable right to use the Service during your subscription. You retain ownership of your data.

8. Confidentiality

Each party will protect the other's confidential information and use it only to perform under these Terms.

9. Disclaimers

The Service is provided "as is." To the extent permitted by law, we disclaim implied warranties and do not guarantee that any particular amount will be recovered.

10. Limitation of liability

To the extent permitted by law, neither party is liable for indirect or consequential damages, and our total liability is limited to the fees paid to us in the twelve months before the claim.

11. Indemnification

You will indemnify DebtOps against claims arising from your data, your instructions, or your breach of these Terms, including claims that a debt was not valid or owed.

12. Term & termination

You may stop using the Service at any time. We may suspend or terminate access for breach or to comply with law. Fees earned on recoveries before termination remain payable.

13. Governing law & changes

These Terms are governed by the laws of the jurisdiction stated in your order. We may update these Terms; material changes will be posted here with an updated effective date.

14. Contact

Questions about these Terms can be sent to [email protected].