Terms of Service

1. Acceptance of Terms

By accessing or using Payment Recovery System (“Service”), you (“Customer,” “you,” or “your”) agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have authority to bind that entity.

If you do not agree to these Terms, do not use the Service. You must be at least 18 years old and have the legal capacity to enter into contracts in your jurisdiction.

2. Service Description

Payment Recovery System is a dunning automation and churn recovery platform that connects to your Stripe account via Stripe Connect OAuth to:

• Detect and classify failed payment invoices in real time via Stripe webhooks
• Schedule and execute automated payment retries according to configurable campaigns
• Generate and send personalized recovery emails to your customers using AI (Google Gemini)
• Provide hosted, branded payment update pages so customers can update their card details
• Track recovery analytics and provide dashboards and exportable reports
• Send proactive card-expiry notifications (Pro / Agency plans)
• Support team collaboration with configurable access roles (Pro / Agency plans)

We reserve the right to modify, suspend, or discontinue any feature at any time with reasonable notice. We will not materially reduce the core functionality of the plan you subscribed to without offering a prorated refund for the affected period.

3. Accounts & Registration

• Account creation: You must provide accurate, complete, and current information during registration. Accounts use email + password (and optional Google sign-in) and are personal to you.
• Account security: You are responsible for maintaining the confidentiality of your account credentials. Notify us immediately at support@paymentrecoverysystem.com if you suspect unauthorized access.
• One account per business: Each account is intended for a single business entity. Agency plans may manage multiple Stripe connections within one account.
• Team members: Account owners on Pro and Agency plans may invite team members. Each team member must have their own Payment Recovery System account. You are responsible for the actions of your team members.
• No account sharing: You may not share login credentials or transfer your account to another party without our prior written consent.

4. Stripe Connect Authorization

To use the recovery features, you must authorize Payment Recovery System to access your Stripe account via Stripe Connect OAuth. By completing this authorization, you grant Payment Recovery System permission to:

• Read invoices, customers, subscriptions, and payment intents
• Register and receive webhook events for payment failures and recoveries
• Retry failed invoices on your behalf
• Create and send payment update links via Stripe Elements

Scope of access: We request only the permissions necessary to deliver the service. We do not access your Stripe balance, payouts, or banking information.

Token storage:Your Stripe access tokens are encrypted with AES-256-GCM before being stored in our database. You can revoke access at any time from your Stripe Dashboard under “Connected applications.”

Compliance:Your use of Stripe data through Payment Recovery System must comply with Stripe’s own Terms of Service and applicable payment network rules.

5. Billing & Payment

• Free trial: New accounts receive a 14-day free trial with full feature access. No credit card is required to start. After the trial, you must subscribe to a paid plan to continue using the Service.
• Subscription billing: Paid plans are billed monthly or annually in advance. Billing begins on the date you subscribe. Annual plans are billed as a single upfront payment.
• Price changes:We will provide at least 30 days’ notice via email before changing subscription prices. Your continued use after the price change constitutes acceptance.
• Taxes: Prices displayed are exclusive of applicable taxes (VAT, GST, etc.). You are responsible for any taxes that apply to your jurisdiction.
• Failed payments: If your subscription payment fails, we will retry billing up to 3 times over 7 days. After that, your account will be downgraded to a read-only state. Data is retained for 30 days to allow reactivation.
• Refunds: See our Refund Policy for full details. In summary, monthly subscriptions are non-refundable for the current period; annual subscriptions include a 30-day money-back guarantee.
• Cancellation: You may cancel your subscription at any time from Settings → Billing. Your plan remains active until the end of the current billing period, then downgrades. No data is deleted immediately upon cancellation.

6. Acceptable Use Policy

You agree not to use Payment Recovery System to:

• Process payments on behalf of businesses you do not own or have authorization to operate
• Send unsolicited, deceptive, or spam emails to your customers
• Circumvent Stripe’s terms of service or attempt unauthorized transactions
• Scrape, reverse engineer, or attempt to extract the source code of the platform
• Upload or transmit malicious code, viruses, or content that could harm the Service
• Resell or white-label the Service without an explicit written agreement with us
• Impersonate other businesses or persons in recovery emails
• Attempt to access data belonging to other Payment Recovery System customers
• Use the Service for any unlawful purpose or in violation of applicable regulations

Violation of this policy may result in immediate suspension or termination of your account without refund.

The full rules — including restricted business categories, fair-use limits, and the escalation path from warning to termination — are in our Acceptable Use Policy, and the rules for outbound email are in our Anti-Spam Policy. Both are incorporated into these Terms by reference; the list above is a summary, not a limitation.

7. Intellectual Property

Our IP: Payment Recovery System, its logo, codebase, UI designs, and documentation are owned by Payment Recovery System and protected by copyright, trademark, and other intellectual property laws. You receive a limited, non-exclusive, non-transferable license to use the Service during your subscription term.

Your data: You retain full ownership of your business data, customer data, and any content you create within the platform (email templates, campaign configurations). You grant us a limited license to process that data solely to provide the Service.

Feedback: If you provide suggestions or feedback, you grant us a royalty-free, worldwide license to use it to improve the Service without any obligation to compensate you.

8. Confidentiality & Data

Each party agrees to keep the other’s Confidential Information confidential and to use it only as necessary to fulfill obligations under these Terms. “Confidential Information” means non-public business, technical, or financial information disclosed under these Terms.

Our data processing obligations are set out in our Data Processing Agreement, which forms part of these Terms and takes effect automatically on account creation — no separate signature or Enterprise plan is required. It incorporates the EU Standard Contractual Clauses and the GDPR Article 28 processing terms, and its Annex III is maintained at Sub-processors. General privacy practices are described in our Privacy Policy and Cookie Policy.

Where the DPA conflicts with these Terms on a question of personal data processing, the DPA prevails. Customers whose procurement process requires a countersigned copy should contact legal@paymentrecoverysystem.com.

9. Disclaimers & Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that: (a) the Service will be uninterrupted or error-free; (b) recovery rates or email open rates will meet specific targets; (c) the AI-generated email content will be error-free or achieve specific business outcomes; or (d) all failed payments in your Stripe account will be recovered.

Recovery outcomes depend on factors outside our control, including your customers’ payment behavior, card issuer decisions, Stripe’s availability, and applicable banking regulations.

Our Disclaimer qualifies the specific claims made on this site, including the recovery-rate figures and AI-generated content. Our availability commitment and the service credits available if we miss it are in the Service Level Agreement, which is the sole remedy for downtime.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PAYMENT RECOVERY SYSTEM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES PAID BY YOU IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS (US$100).

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above limitations may not apply to you.

11. Indemnification

You agree to indemnify, defend, and hold harmless Payment Recovery System and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:

• Your use of the Service in violation of these Terms
• Your violation of any applicable law or regulation
• Your infringement of any third-party intellectual property rights
• Your breach of your obligations to your own customers

12. Termination

By you: You may cancel your subscription and delete your account at any time from Settings → Billing. Upon cancellation, your access continues until the end of the paid period. Account data is retained for 30 days after the subscription ends, then permanently deleted.

By us: We may suspend or terminate your account immediately (without refund) if you: (a) violate the Acceptable Use Policy; (b) fail to pay your subscription after the grace period; (c) engage in fraudulent or illegal activity; or (d) pose a risk to the security of the Service or other customers.

Effect of termination: Upon termination, your license to use the Service ends. We will provide a 30-day window to export your data before permanent deletion. You remain liable for all fees incurred before termination.

Sections 7 (IP), 8 (Confidentiality), 9 (Disclaimers), 10 (Liability), and 11 (Indemnification) survive termination.

13. Governing Law & Dispute Resolution

Governing law. These Terms, and any dispute arising out of or relating to them or to the Service — whether in contract, tort, or otherwise — are governed by the laws of the State of Florida, United States, without regard to its conflict-of-law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Informal resolution first. Before commencing arbitration or litigation, the initiating party must send a written notice of dispute to the other describing the claim and the relief sought — to legal@paymentrecoverysystem.comin our case, or to the account owner’s email address in yours. Both parties agree to negotiate in good faith for 30 days from that notice. This step is a condition precedent to formal proceedings.

Binding arbitration. If the dispute is not resolved within that period, it will be finally resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, with the seat and any in-person hearing in the Florida county in which Payment Recovery System maintains its principal place of business. The Federal Arbitration Act, 9 U.S.C. §§ 1–16, governs the interpretation and enforcement of this arbitration agreement. Judgment on the award may be entered in any court of competent jurisdiction.

Class action waiver. ALL CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE THE CLAIMS OF MORE THAN ONE PERSON AND MAY NOT PRESIDE OVER ANY FORM OF CLASS PROCEEDING. If this class action waiver is held unenforceable as to a particular claim, that claim — and only that claim — is severed from the arbitration and litigated in the courts identified below.

Small claims and injunctive relief. Either party may bring an individual claim in small claims court if it qualifies. Either party may also seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm — in particular to protect intellectual property, confidential information, or the security of the Service — without first completing the steps above.

Forum. For any dispute not subject to arbitration, the parties submit to the exclusive jurisdiction of the state and federal courts located in the Florida county in which Payment Recovery System maintains its principal place of business, and waive any objection to venue or forum non conveniens in those courts.

Time limit. Any claim arising out of or relating to these Terms or the Service must be commenced within one (1) year after the claim arose, to the extent that limitation period is enforceable under applicable law. Otherwise it is permanently barred.

Consumer rights. Nothing in this Section deprives you of any mandatory protection under the consumer-protection law of your place of residence, including the Florida Deceptive and Unfair Trade Practices Act, Fla. Stat. §§ 501.201–501.213, where it applies to you.

14. Changes to Terms

We may update these Terms periodically. For material changes, we will:

• Update the “Effective date” at the top of this page
• Send email notice to account owners at least 14 days in advance
• Show an in-app notification on your next login

Your continued use of the Service after the effective date of updated Terms constitutes your acceptance. If you do not agree, you must stop using the Service and cancel your subscription before the new Terms take effect.

15. Contact

For legal inquiries regarding these Terms: