Terms of Service

1. Accepting these terms

By creating an account, subscribing, or using the demo, you agree to these terms. If you are agreeing on behalf of a company, you confirm you have authority to bind it, and "you" means that company. If you do not agree, do not use DebtAgent.

You must be at least 18 and legally able to enter a contract. DebtAgent is a business tool and is not offered for personal or household use.

2. What DebtAgent is, and what it is not

DebtAgent generates and runs multi-step collection cadences on overdue accounts. It drafts messages, schedules them, enforces contact rules before every send, records the outcome, and stops when a debt is paid or disputed.

We may change, improve, or discontinue features. If we remove something material from a plan you are paying for, we will tell you and you may cancel for a pro-rata refund of the unused term.

3. Your account

• Keep your credentials secret. Everything done under your account is treated as done by you, so tell us immediately if you think it has been compromised.
• Give us a working email address. Verification codes, billing receipts, and security notices go there.
• Seats are per person. Do not share one login across a team when your plan includes seats you can add properly.
• Your plan's limits on sequences, active debtors, and seats are set out on the debt collection software pricing page and apply as written there.

An unpaid account created after signup gets a capped daily allowance so you can evaluate the product. That allowance is an evaluation courtesy, not a plan, and we may change or withdraw it.

4. Acceptable use, and the collections rules

This is a compliance-first product and we will enforce that. You warrant that every debt you load is genuinely owed to you, or that you are lawfully entitled to collect it, that the balance is accurate, and that the contact details were lawfully obtained.

You must not

• Use DebtAgent to threaten, harass, oppress, or abuse any person, or to attempt to disable, circumvent, or edit around the compliance guardrails.
• Threaten arrest, criminal prosecution, or litigation you do not actually intend and are not lawfully able to pursue.
• Misrepresent the amount owed, the legal status of a debt, or who you are.
• Continue contacting a debtor after a valid cease-communication request, or continue collecting on a disputed debt before supplying verification.
• Discuss the debt with third parties, or contact a debtor you know is represented by counsel.
• Pursue time-barred debt as though it were enforceable, or collect a debt you do not own and are not authorised to collect.
• Send SMS or place calls to numbers you have no lawful basis to contact, contrary to the TCPA or carrier rules.
• Upload Social Security numbers, bank or card numbers, government identifiers, or health information. The platform is not built to receive them.
• Resell, scrape, reverse engineer, or run load against the service outside your plan's limits.

The platform enforces mandated disclosures, permitted contact hours, and the frequency cap, and it pauses a cadence on dispute or cease-communication. Those guardrails are a floor, not a licence. Compliance with the FDCPA, Regulation F, the TCPA, and your state's analogue statutes remains your legal responsibility, because you are the one sending. If we find you using DebtAgent to harass people, we will suspend the account immediately and without refund.

5. No legal advice

Nothing DebtAgent produces is legal advice. Not the drafted messages, not the compliance panel, not the rule packs, not anything on this website or the blog. The guardrails encode our best understanding of the FDCPA and Regulation F, and those rules change, are interpreted by courts, and vary by state. We are not your lawyers and no attorney-client relationship exists. Before you run a collections programme at scale, have counsel review it.

6. AI-generated content

Collection copy is drafted by an AI model constrained by our compliance rules. It is good, and it is not infallible. You are shown every message before a cadence launches and you approve it. Once you approve it, it is your message. Read the amounts, read the names, and do not send a balance you have not checked.

7. Payment, renewal, and cancellation

• Prices. Starter is $49 a month, Plus $149, Pro $499, and Enterprise is quoted. Yearly billing gives you 50 percent off the monthly rate. All prices are in US dollars and exclude any tax we are required to collect.
• Billing. Payments run through Stripe. We never see or store your card number.
• Renewal. Subscriptions renew automatically at the end of each period until you cancel.
• Cancellation. Cancel any time from the billing portal. No contract, no notice period, no cancellation fee. A monthly plan runs to the end of the current period. A yearly plan runs to the end of the term you paid for.
• Refunds. Fees already paid are not refunded on cancellation, because you keep access for the period you bought. If the service was materially broken and we could not fix it, email us and we will make it right.
• Failed payments. We will retry, then downgrade the account rather than delete it. Your data stays put.
• Price changes. Existing subscriptions keep their price for the current term. We will give notice before a renewal at a new price.

DebtAgent charges a subscription only. We never take a percentage of what you recover, and there is no success fee.

8. Your data, and ours

You own the debtor records, sequences, and messages you put into DebtAgent. You grant us only the licence we need to host, process, transmit, and display that content in order to run the service for you. We do not use your debtor data to train models, and we do not sell it. How we handle it is set out in the Privacy Policy, and a Data Processing Addendum is available on request.

We own DebtAgent: the software, the compliance rule packs, the interface, the brand, and this site. You get a limited, revocable, non-exclusive right to use it while you are a customer. You may not copy it, resell it, or build a competing product from it.

9. Availability

We work hard to keep DebtAgent up, and we will not promise perfection on a self-serve plan. The service is provided as is, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, that a cadence will recover any particular debt, or that any specific outcome will follow from using it. Enterprise plans carry a contractual SLA. Other plans do not.

10. Limitation of liability

To the fullest extent the law allows, DebtAgent is not liable for indirect, incidental, special, consequential, or punitive damages, nor for lost profits, lost revenue, lost data, or debts that went unrecovered. Our total liability for any claim arising out of these terms or the service is capped at the amount you paid us in the 12 months before the claim arose.

You will indemnify us against claims, damages, penalties, and reasonable legal costs arising from your use of the service, from the debts you loaded, from your breach of these terms, or from a regulator or a debtor alleging that collection activity conducted through your account was unlawful. This is the direct consequence of section 2: you send, so you carry it.

11. Suspension and termination

You can close your account whenever you like, and export your debtors, sequences, and audit log first. We may suspend or terminate an account that breaches section 4, that is used to harass people, that does not pay, or that puts the platform or other customers at risk. Where it is safe and lawful to do so, we will warn you first. Sections 5, 8, 10, and 12 survive termination.

12. Governing law and disputes

These terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws rules. Disputes go to the state and federal courts sitting in Delaware, and both of us consent to that. If any clause is held unenforceable, the rest stands. Our failure to enforce a clause is not a waiver of it. These terms, plus the Privacy Policy and any order form or DPA you sign, are the whole agreement between us.

13. Changes, and how to reach us

If we change these terms materially, we will email you before the change takes effect. Continuing to use DebtAgent afterwards means you accept them.

Questions about these terms go to [email protected]. A person reads that inbox. There is no contact form on this site.

Related reading: our Privacy Policy, the debt collection software pricing page, and the use cases page.