Terms of Service

Effective Date: February 22, 2026

1. Overview

These Terms of Service ("Terms") govern your use of the AI AR Agent platform ("Service"), operated by AI AR Agent ("we," "us," "our"). By creating an account or using the Service, you agree to these Terms.

2. What the Service Does

AI AR Agent provides automated accounts receivable follow-up tools, including:

• Automated email and SMS payment reminders sent in your business name
• One-click payment links for your customers
• A dashboard for tracking invoice status and recovery progress
• Payment plan management tools
• Integration with third-party billing systems (QuickBooks, Xero, Stripe, FreshBooks)

3. What the Service Is Not

AI AR Agent is a software tool that you — the creditor — use to manage your own accounts receivable. We are not:

• A debt collection agency or third-party debt collector as defined under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.
• A law firm or provider of legal advice
• A credit reporting agency
• A substitute for professional legal, financial, or compliance counsel

All communications sent through the platform are sent on your behalf, in your business name, using your branding. You are the original creditor collecting your own debts using our software as a tool.

4. Your Responsibilities

By using AI AR Agent, you represent and agree that:

• You are the original creditor or have lawful authority to collect on the invoices you upload to the platform.
• Compliance with applicable laws is your responsibility. You are responsible for ensuring that your use of the Service complies with all applicable federal, state, and local laws, including but not limited to the FDCPA, the Telephone Consumer Protection Act (TCPA), state debt collection licensing requirements, state consumer protection laws (UDAP/UDAAP), and any industry-specific regulations (e.g., HIPAA for healthcare providers).
• You have obtained proper consent from your customers to receive communications via the channels you select (email, SMS). For SMS, this includes prior express consent as required by the TCPA.
• The information you provide is accurate. Invoice amounts, contact information, and customer details you upload must be correct and current.
• You will not use the Service for debts you have purchased or acquired from another creditor, unless you have independently confirmed your compliance obligations as a debt collector under applicable law.
• You will respond promptly to disputes. When a customer disputes an invoice through the platform, you will review and address the dispute in a timely manner.

5. Communication Standards

All communications sent through the platform adhere to the following standards:

• Messages are sent in your business name and clearly identify your business as the sender
• Messages are professional and respectful in tone
• Messages are sent only during reasonable hours (8:00 AM – 9:00 PM in the recipient's local time zone)
• Every SMS includes an opt-out mechanism
• Customers can reply to messages to ask questions or raise disputes
• The platform automatically stops sending reminders when an invoice is marked as paid, disputed, or paused by you

6. Healthcare Clients — HIPAA

If you are a healthcare provider or handle Protected Health Information (PHI), additional terms apply:

• You must execute a Business Associate Agreement (BAA) with AI AR Agent before uploading any data that contains or could contain PHI.
• You are responsible for ensuring that patient contact information and billing data shared with the platform is limited to the minimum necessary for payment collection.
• Communications sent through the platform for healthcare clients will not include diagnosis codes, treatment descriptions, or other clinical information.
• Contact us at compliance@aiaragent.com to request a BAA.

7. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. We access only the billing data necessary to perform the Service — invoice amounts, due dates, customer contact information, and payment status. We do not sell your data or your customers' data to third parties.

8. Pricing and Payment

• Pay for Results plan: $0/month. We charge 20% of amounts successfully recovered through the platform. If we don't recover anything, you pay nothing.
• Growth plan: $299/month plus 5% of recovered amounts.
• Enterprise plan: $799/month, no recovery fee.

All fees are billed monthly. You may cancel at any time. Cancellation takes effect at the end of your current billing period. Recovery fees for amounts collected before cancellation remain due.

9. Limitation of Liability

To the maximum extent permitted by law:

• AI AR Agent is provided "as is" without warranties of any kind, express or implied.
• We do not guarantee any specific recovery rate or outcome.
• We are not liable for any claims, damages, or penalties arising from your use of the Service, including but not limited to claims by your customers, regulatory actions, or alleged violations of debt collection laws.
• Our total liability for any claim arising from these Terms or the Service is limited to the fees you paid to us in the 12 months preceding the claim.
• We are not liable for indirect, incidental, consequential, or punitive damages.

10. Indemnification

You agree to indemnify and hold harmless AI AR Agent, its officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Any dispute between you and your customers regarding debts, invoices, or communications sent through the platform

11. Termination

Either party may terminate this agreement at any time. We may suspend or terminate your account if we believe you are using the Service in violation of these Terms or applicable law. Upon termination, we will delete your data within 30 days unless we are required by law to retain it.

12. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes via email or through the platform. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

13. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes arising from these Terms will be resolved in the state or federal courts located in Delaware.

14. Contact

Questions about these Terms? Contact us at:
Email: legal@aiaragent.com
Website: aiaragent.com