Terms of Service

1. Service Description

CollectNow is a document preparation and workflow automation service for demand letters, claim organization, payment requests, evidence packets, filing preparation, settlement offers, and related collection workflows.

2. Your Responsibility

You are responsible for the accuracy, legality, and completeness of the information you submit. You are also responsible for deciding whether to send a demand, file a claim, accept settlement, hire counsel, or take any enforcement action.

You represent that you own the claim, are authorized to act on behalf of the claimant, or otherwise have a lawful right to use CollectNow for the dispute. You are responsible for complying with debt collection, consumer protection, privacy, court, service of process, and communications laws that apply to your use.

3. No Legal Advice or Outcome Guarantee

Information, templates, generated text, scores, checklists, and workflow recommendations are general information only. We do not guarantee payment, settlement, court acceptance, judgment, enforceability, service success, or any specific outcome.

4. Plans, Payments, and Third Parties

Payments may be processed by third-party providers. Email, SMS, skip trace, AI, payment, and process-serving workflows may involve external providers. You authorize us to share the minimum necessary information with those providers to deliver the service.

Payments are non-refundable once document generation, delivery, payment processing, skip trace, filing preparation, or other work has begun, except where required by law or approved by us.

Court filing fees, service fees, provider fees, government fees, payment processing fees, and enforcement costs may be separate from CollectNow's service fees unless a checkout page expressly says they are included.

If you dispute, reverse, or charge back a payment, we may suspend the related account, case, payment request, demand link, or service workflow while the issue is reviewed.

5. Prohibited Use

• False, fraudulent, abusive, harassing, or unlawful claims
• Threats, impersonation, or misuse of debtor personal data
• Using the service to collect debts you do not own or have authority to pursue
• Bypassing payment, rate limits, authentication, or access controls
• Using partner APIs without authorization or outside approved use cases
• Submitting sensitive personal information that is unnecessary for the claim
• Using generated content as legal advice or as a substitute for attorney review
• Using CollectNow to harass, shame, threaten, or unlawfully pressure any person

6. Data and Privacy

Our data practices are described in our Privacy Policy. By using CollectNow, you agree that we may process creditor, debtor, case, payment, communication, and workflow data as needed to provide the service.

7. Account Security

You are responsible for protecting your account, email, API keys, and devices. Notify us promptly if you believe your account or API key has been compromised.

8. Generated Content and Filing Materials

Generated letters, summaries, forms, packets, scores, and recommendations may contain errors, omissions, or formatting issues. You must review all materials before sending, filing, serving, or relying on them. Courts, clerks, process servers, payment providers, and recipients may reject, delay, ignore, or dispute materials.

9. Communications Consent

By submitting email addresses, phone numbers, or other contact information, you represent that you have a lawful basis to use that information for the requested workflow. You authorize CollectNow and its providers to send transactional messages related to your case. Message and data rates may apply. Delivery is not guaranteed.

10. Feature Availability

Some workflows may be experimental, unavailable, limited by jurisdiction, or dependent on third-party providers. We may change, pause, gate, or remove features at any time, including partner APIs, e-filing, skip trace, enforcement, referrals, business subscriptions, and chat.

11. Limitation of Liability

To the maximum extent permitted by law, CollectNow is not liable for indirect, incidental, special, consequential, punitive, lost-profit, lost-data, or business interruption damages. Our total liability for any claim is limited to the amount you paid for the service giving rise to that claim.

12. Indemnity

You agree to defend, indemnify, and hold CollectNow harmless from claims, losses, liabilities, damages, costs, and expenses arising from your submitted information, claims, communications, misuse of the service, violation of these terms, or violation of law.

13. Suspension and Termination

We may suspend or terminate access for abuse, suspected fraud, security risk, non-payment, legal risk, or violation of these terms.

14. Governing Terms and Disputes

These terms are governed by applicable law without regard to conflict-of-law rules. Any dispute with CollectNow must be brought individually, not as a class or representative action, unless applicable law does not allow that limitation.

15. Changes

We may update these terms. Continued use after changes are posted means you accept the updated terms.

16. Contact

Questions? Email [email protected].