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Terms of Service

Last updated: January 2026

Important Notice

PayMeBack AI is a communication tool that acts solely as your agent and extension. All communications sent through our Service are sent on your behalf, at your direction, and under your full responsibility. You assume complete liability for all actions taken using this Service.

1. Acceptance of Terms

By accessing or using PayMeBack AI ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service. Your use of the Service constitutes your acknowledgment that you have read, understood, and agree to be legally bound by these Terms.

2. Nature of Service — Tool and Extension of User

PayMeBack AI is a software tool that functions solely as an extension and instrument of you, the user. The Service provides technology infrastructure that enables you to send communications to your contacts. You expressly acknowledge and agree that:

  • You are the principal. PayMeBack AI acts exclusively as your agent and tool. Any and all communications sent through the Service are your communications, initiated by you, controlled by you, and sent on your behalf.
  • We do not act independently. PayMeBack AI does not initiate, author, or send any communications of its own volition. Every email, SMS, or voice call sent through the Service is triggered solely by your explicit action and direction.
  • You retain full control. You determine the recipients, the content basis (uploaded bills/receipts), the amounts, the timing, and the communication methods. The Service merely executes your instructions.
  • The Service is analogous to email software or a telephone. Just as an email client or phone carrier is not responsible for the content of messages sent through their systems, PayMeBack AI is not responsible for the communications you choose to send.

3. User Liability and Responsibility

YOU ASSUME FULL AND SOLE LIABILITY FOR ALL USE OF THE SERVICE AND ALL COMMUNICATIONS SENT THROUGH IT. By using the Service, you expressly acknowledge and agree that:

3.1 Sole Responsibility for Communications

You are solely and exclusively responsible for all emails, SMS messages, and voice calls sent through the Service. This includes, without limitation:

  • The decision to send any communication
  • The selection of recipients
  • The accuracy of all amounts and payment claims
  • The legitimacy of any debt or payment request
  • The appropriateness and legality of the communication
  • Compliance with all applicable laws in your jurisdiction and the recipient's jurisdiction

3.2 Legal Compliance

You are solely responsible for ensuring that your use of the Service complies with all applicable laws, regulations, and legal requirements, including but not limited to:

  • Anti-harassment and anti-stalking laws
  • Debt collection regulations and fair debt practices acts
  • Telecommunications laws and regulations
  • Consumer protection laws
  • Privacy and data protection laws
  • Any laws governing automated communications, robocalls, or commercial messaging

3.3 Consequences of Use

You acknowledge that you bear all consequences, legal or otherwise, arising from your use of the Service, including but not limited to:

  • Any legal action, claims, or lawsuits brought by recipients of your communications
  • Regulatory investigations or enforcement actions
  • Damage to personal or business relationships
  • Criminal liability for harassment, fraud, or other offenses
  • Civil liability for defamation, emotional distress, or damages
  • Fines, penalties, or sanctions imposed by any authority

3.4 Verification Obligation

Before sending any payment reminder, you represent and warrant that:

  • You have a genuine, legitimate, and lawful basis for the payment request
  • The amount requested is accurate and actually owed to you
  • The recipient is the correct person who owes you the amount
  • You have verified all AI-extracted data for accuracy before initiating communications
  • The recipient has not previously requested that you cease contact

4. Account Registration

To use the Service, you must:

  • Be at least 18 years old
  • Provide accurate and complete registration information
  • Maintain the security of your account credentials
  • Notify us immediately of any unauthorized use of your account

You are responsible for all activities that occur under your account, whether or not authorized by you.

5. Prohibited Uses

You agree NOT to use the Service to:

  • Harass, threaten, intimidate, or send abusive communications to any person
  • Send payment reminders for fraudulent, disputed, or non-existent debts
  • Upload false, misleading, altered, or manipulated receipts or bills
  • Violate any applicable laws, including debt collection regulations, anti-spam laws, or telecommunications regulations
  • Impersonate another person or misrepresent your identity or authority
  • Send communications to individuals who have opted out, blocked, or otherwise indicated they do not wish to receive such messages
  • Use the Service for commercial debt collection, collections agency activities, or any professional debt recovery purpose
  • Send communications that are threatening, defamatory, obscene, or otherwise objectionable
  • Attempt to circumvent any security features or limitations of the Service
  • Use the Service in any manner that could damage, disable, or impair the Service

6. AI-Powered Communications — Your Direction and Control

6.1 Express Authorization

By initiating any payment reminder through the Service, you expressly authorize and direct PayMeBack AI to transmit communications to your designated contacts on your behalf. You acknowledge that:

  • Each communication is your communication, not ours
  • You are directing us to send the communication as your agent
  • We are acting solely on your instructions
  • The communication originates from you and is attributable to you

6.2 AI Processing Limitations

Our AI systems attempt to extract information from your uploaded documents. However:

  • AI processing may contain errors, inaccuracies, or misinterpretations
  • You are solely responsible for reviewing and verifying all AI-extracted data before use
  • PayMeBack AI makes no warranties regarding the accuracy of AI processing
  • Any errors in communications resulting from unverified AI data are your sole responsibility

6.3 Recipient Rights

Recipients of payment reminders may opt out of future communications at any time. We will honor all opt-out requests and you agree to respect such requests.

7. User Content

7.1 Ownership

You retain ownership of all content you upload to the Service, including receipts, bills, and other documents.

7.2 License Grant

By uploading content, you grant PayMeBack AI a non-exclusive, worldwide, royalty-free license to use, process, and analyze your content solely for the purpose of providing the Service to you.

7.3 Content Accuracy

You represent and warrant that all content you upload is genuine, unaltered, and accurately represents actual transactions or expenses.

8. Fees and Payment

The Service may offer both free and paid tiers. By subscribing to a paid plan, you agree to pay the applicable fees. We reserve the right to modify pricing with reasonable notice.

9. Disclaimer of Warranties

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

WE EXPRESSLY DISCLAIM AND MAKE NO GUARANTEES REGARDING:

  • The accuracy, completeness, or reliability of AI-powered receipt parsing or data extraction
  • That payment reminders will result in successful payment collection
  • Uninterrupted, timely, secure, or error-free service
  • Delivery, receipt, or effectiveness of any emails, SMS messages, or voice calls
  • The legal compliance of your use of the Service in any jurisdiction

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PAYMEBACK AI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, REGARDLESS OF THE CAUSE OF ACTION OR THE THEORY OF LIABILITY, INCLUDING BUT NOT LIMITED TO:

  • Loss of profits, revenue, or business opportunities
  • Damage to personal or business relationships with your contacts
  • Any claims, lawsuits, or legal proceedings brought against you by recipients
  • Errors in AI-processed data or incorrect payment calculations
  • Failed, delayed, or undelivered message transmission
  • Any consequences arising from your use of the Service
  • Regulatory fines, penalties, or enforcement actions

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

11. Indemnification

YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS PAYMEBACK AI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND AFFILIATES from and against any and all claims, demands, actions, causes of action, suits, proceedings, losses, damages, costs, and expenses (including reasonable attorneys' fees), arising out of or relating to:

  • Your use of the Service or any communications sent through it
  • Any payment reminder, email, SMS, or voice call you initiate through the Service
  • Your violation of these Terms or any applicable law or regulation
  • Your violation of any third-party rights, including privacy, publicity, or intellectual property rights
  • Any claim by a recipient of your communications
  • Any dispute between you and a recipient regarding a debt or payment
  • Your negligence, willful misconduct, or fraudulent activity
  • Any inaccuracy in the information you provide or the communications you send

This indemnification obligation shall survive the termination of your account and these Terms.

12. Termination

We may suspend or terminate your account at any time, with or without cause, and with or without notice, for violation of these Terms or for any other reason at our sole discretion. Upon termination, your right to use the Service immediately ceases. All provisions of these Terms that by their nature should survive termination shall survive, including liability limitations, indemnification, and dispute resolution provisions.

13. Dispute Resolution and Arbitration

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration administered in accordance with applicable arbitration rules, except where prohibited by law. You agree to waive any right to participate in class action lawsuits or class-wide arbitration. Each party shall bear its own costs in any arbitration proceeding.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes through the Service or via email. Your continued use of the Service after such modifications constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must cease using the Service.

15. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles. You consent to the exclusive jurisdiction of the courts in the applicable jurisdiction for any disputes not subject to arbitration.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and PayMeBack AI regarding the Service and supersede all prior agreements, understandings, and communications, whether written or oral.

18. No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by us.

19. Contact

For questions about these Terms, please contact us through the support channels available in the app.