Terms of Service

1. What RecoupPay does

RecoupPay helps businesses manage failed and overdue subscription payments. The service can receive billing events, open recovery cases, run the communication steps you set, create scoped RecoupPay links that open payment-provider actions, and show recovery results. It also offers an agent API.

RecoupPay provides software. It does not buy debts, collect for a third party, report to a credit bureau, hold customer funds, or rule on whether a customer owes an amount. It does not give legal, tax, credit, or financial advice. You control your customer relationship, the amount claimed, and each recovery journey.

2. Who may use the service

You must be at least 18, able to enter a contract, and using the service for a lawful business purpose. You must give us correct and current account, billing, and contact details. You are responsible for your account, team members, API keys, connected accounts, and all acts taken through them. Tell us at security@recouppay.app if you think an account or key has been misused.

3. Your duties to customers

You may use RecoupPay only when you:

• have the right to submit and use the account, invoice, contact, consent, and payment-event data you provide;
• have a valid basis for each amount and keep customer records accurate and current;
• have all consent or other legal grounds needed for each email, text, retry, hosted action, and use of a payment account;
• honor opt-outs, stop requests, wrong-number reports, disputes, bankruptcy or attorney notices, and other limits required by law;
• review your message text, timing, frequency, sender identity, fees, and customer support process; and
• follow the TCPA, CAN-SPAM Act, state privacy and consumer laws, payment-network rules, and the FDCPA and Regulation F when they apply to you.

Do not use RecoupPay to harass, threaten, mislead, shame, or contact a person at a barred time, place, address, or number. Do not submit Social Security numbers, government ID images, health data, full card or bank numbers, or other data that the service does not ask for. You remain responsible for refunds, disputes, taxes, contract notices, and customer support.

RecoupPay is for recovering payments owed directly to your business. Do not use it to collect for another party, work a bought or assigned debt portfolio, or send marketing messages.

4. Connected payment accounts

You may connect an account from Stripe, Square, or another provider we support. You direct RecoupPay to read the events and account data needed to run the service and to create only the payment-provider actions you ask the service to offer. You can disconnect a provider through RecoupPay where the service offers that control. Otherwise, revoke access in the provider account or contact us. The provider may keep records under its own terms and laws.

Payment processing for Stripe connected accounts is provided by Stripe and is subject to the Stripe Connected Account Agreement, which includes the Stripe Services Agreement. By connecting or keeping a Stripe account connected, you agree to those Stripe terms as Stripe changes them. You will give RecoupPay and Stripe complete, correct details about you and your business, and you let RecoupPay share account and transaction data with Stripe as needed to provide the service.

A connected Square account is also subject to Square's General Terms of Service and Privacy Notice.

A connected account stays under the provider’s control. Provider downtime, reviews, reserves, fees, holds, disputes, and account limits may affect a recovery action. RecoupPay does not hold funds and does not store full card or bank account numbers.

A RecoupPay link and session are time-limited and can be revoked. Once a person is sent to a provider-hosted invoice, checkout, or billing portal, that provider controls the URL. Disconnecting the provider from RecoupPay may not disable a URL that the provider has already issued. You must void, close, or restrict it through the provider when needed.

5. Email and text messages

RecoupPay may send service messages to you. At your direction, it may also send recovery messages to your customers through an email or text provider. You are the business on whose behalf customer recovery messages are sent and must give RecoupPay correct sender details, lawful message text, and current consent and suppression data. A law may place sender duties on both you and RecoupPay.

You must offer and honor a simple way to stop electronic messages. A delivery status does not prove that the right person received, read, or agreed with a message. RecoupPay may block or stop a message when consent, identity, timing, provider, or safety checks do not pass.

6. Plans, fees, renewal, and cancellation

Your order or the pricing page states your plan, billing period, and price. Paid plans renew for the same period until canceled. You allow our billing provider to charge the payment method on file for plan fees and taxes. If we change a recurring price, we will give notice before the new price applies to a later renewal.

You may cancel through the billing portal or account settings. Cancellation stops the next renewal; service normally continues through the paid period. Fees already paid are not refundable except where the order, these terms, or law says otherwise. We may limit or suspend service after a failed plan payment.

7. Your data and privacy

You keep ownership of data you submit. You give RecoupPay a limited right to host, copy, secure, process, and send that data only to provide, protect, and support the service, meet your instructions, and obey law. You also allow us to create grouped or de-identified measures that do not identify you or a customer and to use those measures to improve the service.

The Privacy Policy explains how RecoupPay handles personal data. When you submit data about your customers, you act as the business or controller and RecoupPay acts as your service provider or processor, unless law sets a different role. We will help with a reasonable data-rights request that you must answer.

These terms, your settings, and your use of the service are your documented instructions for customer personal data. RecoupPay will limit access to people who need it and bind them to confidentiality; bind service providers that process the data to terms that are no less protective; help with reasonable rights, security, breach, and impact-assessment duties; and notify you without undue delay after confirming a security breach of your customer personal data.

At the end of service or on a valid request, you may ask RecoupPay to return or delete customer personal data. We handle that request through a verified, support-led review; deletion is not automatic. Law, a legal hold, security, fraud prevention, consent proof, suppression, backup, or audit needs may require limited retention. We will give you reasonable information needed to show compliance and allow a reasonable assessment, while protecting other customers, systems, and confidential security details. Contact us if a law or signed order requires added data terms.

8. Acceptable use

You must not:

• break a law or another person’s rights;
• use false identities, claims, invoices, consent, or events;
• probe, bypass, disable, or harm access controls, rate limits, security checks, opt-outs, or suppression records;
• upload malware, scrape the service, or burden it with harmful or excess traffic;
• resell or give access to the service unless your plan or a signed agreement allows it; or
• copy, reverse engineer, or use the service to build a competing product, except to the limited extent law does not let us bar that act.

9. Service changes and beta features

We may change, add, or remove features. We will try to give fair notice of a major change that cuts a paid core feature. Preview, test, and beta features may be changed or removed at any time and may not be fit for live customer data. No service is free from delay, error, or downtime. Keep your own records and review actions that affect customers or money.

10. RecoupPay rights and feedback

RecoupPay and its licensors own the service, code, design, and marks, apart from your data and third-party material. These terms give you a limited, revocable, non-transferable right to use the service during your plan. If you send feedback, you let us use it without a duty to pay you, but we will not claim ownership of your data through that feedback.

11. Suspension and termination

You may stop using the service at any time. We may suspend or end access when you breach these terms, pose a security or legal risk, fail to pay, cause harm, or when a provider or law requires it. We will give notice and a chance to fix the issue when that is safe and reasonable.

After termination, your right to use the service ends. We may keep billing, consent, suppression, audit, security, and legal records as described in the Privacy Policy. Terms that should still apply, including payment, ownership, limits on liability, indemnity, and dispute terms, survive.

12. Disclaimers

To the fullest extent law allows, RecoupPay is provided “as is” and “as available.” We do not promise that the service will recover a payment, meet a target rate, work with every provider event, or be uninterrupted or error-free. We disclaim implied warranties of merchantability, fitness for a purpose, title, and non-infringement. Rights that law does not let us waive still apply.

13. Limits on liability

To the fullest extent law allows, neither RecoupPay nor Daniel Hallman will be liable for lost profit, revenue, data, goodwill, or business, or for indirect, special, incidental, punitive, or consequential damages. Our total liability for all claims tied to the service will not exceed the greater of $100 or the fees you paid RecoupPay in the 12 months before the event that caused the claim. This limit does not apply where law bars it.

14. Indemnity

To the extent law allows, you will defend and reimburse RecoupPay and Daniel Hallman from third-party claims, losses, and reasonable legal fees caused by your data, customer claims, messages, payment actions, breach of these terms, or violation of law or another person’s rights. We will give prompt notice and let you control the defense, but you may not settle a claim in a way that admits fault or creates a duty for us without our written consent.

15. Tennessee law and disputes

Tennessee law governs these terms without regard to conflict-of-law rules. Any court case must be filed in a state or federal court in Hamilton County, Tennessee, and each side agrees to that court’s authority. Before filing, each side will give written notice and try in good faith for 30 days to resolve the dispute. Either side may seek urgent relief for misuse of data, access, or intellectual property.

16. Changes, notices, and contact

We may update these terms. We will post the new date and give added notice through the service or by email when a change is material. The new terms apply from the stated date. If you do not agree, you must stop using the service before then.

Notices may be sent to the email on your account. Send questions or legal notices to hello@recouppay.app. These terms, the Privacy Policy, the Cookie Policy, and any signed order form are the whole agreement about the service. If one part cannot be enforced, the rest remains in effect. A waiver must be in writing and applies only to that case.