Effective date: June 4, 2026
What AgentCollect is. AgentCollect is a software-as-a-service (SaaS) platform. You use it to recover accounts receivable you own or are authorized to collect, under your own brand. The AI Agents are your automated tool — they act on your instructions, not as an independent collection agency. You remain the party conducting the collection and the party responsible for compliance with the laws that apply to how you contact those who owe the money. These Terms are written to make that allocation clear.
"Platform" means the AgentCollect software-as-a-service (SaaS) application, AI Agents, APIs, integrations, and related services. "Customer," "you," or "your" means the business entity that registers for and uses the Platform. "AI Agent" means our automated systems that conduct outreach configured by, on behalf of, and under the brand of the Customer. "Debtor" means a person or entity that owes a debt to the Customer — or to a party the Customer is authorized to collect for — being recovered through the Platform. "Customer Data" means data you upload to or generate through the Platform, including debtor records, invoice data, account records, and integration data. "Order Form" means the plan, subscription tier, or order you select when subscribing, including any pricing referenced on our Pricing page. "Additional Terms" means the documents incorporated by reference in Section 2.
By accessing or using the Platform, you agree to be bound by these Terms. If you accept these Terms on behalf of an organization, you represent that you have authority to bind that organization. If you do not agree, do not use the Platform.
The following documents are incorporated into these Terms by reference, and your acceptance of these Terms constitutes acceptance of each of them: the Acceptable Use Policy, the Data Processing Addendum, the Privacy Policy, and the Pricing applicable to your Order Form. If there is a conflict, the order of precedence is: (1) a signed order form or master agreement between the parties, if any; (2) these Terms; (3) the Additional Terms — provided that the DPA controls over these Terms solely with respect to the processing of personal data.
AgentCollect provides AI-powered accounts receivable software (a SaaS platform). The Platform lets you configure AI Agents that contact Debtors by phone, email, and SMS to recover invoices you are entitled to collect — whether they are owed to you directly or you are authorized to collect them on behalf of another — using your brand, sender identities, and instructions.
You — not AgentCollect — are the party conducting the collection and the party that determines the content, cadence, and channels of outreach. AgentCollect is a software provider. AgentCollect does not purchase debt, does not own the receivables, does not itself act as a collection agency on its own account, and is not a party to the debts you pursue. The AI Agents operate as your tool.
Invoice surfacing. You can connect the Platform to your billing or invoicing system. When a Debtor asks about a balance or requests documentation, the AI Agents can surface the relevant invoice in reply, or include invoices in outbound notifications — in each case only as you configure, and only to the obligor or its authorized representative. You are responsible for enabling recipient-verification settings before any automatic disclosure. AgentCollect surfaces the invoice, balance, and account data your systems provide; you are responsible for the accuracy of that data and for your right to share it.
You must provide accurate, complete information when creating an account and keep it current. You are responsible for maintaining the security of your credentials and for all activity under your account, and you must notify us promptly of any unauthorized access. You are responsible for the acts and omissions of your users and anyone you authorize to access the Platform.
Because you are the party conducting collection under your own brand — whether as the creditor of the debt or as a party authorized to collect it for another — you are responsible for compliance with all laws that apply to your collection activity. This includes, where applicable to you and the Debtors you contact:
You represent that each debt you pursue through the Platform is genuinely owed, that you own it or are authorized to collect it, that it is not time-barred or already satisfied at the time of placement, and that it is being pursued lawfully. You will not use the Platform to harass any person, to pursue debts that are not legitimately owed, or to violate any consumer-protection law. AgentCollect provides configurable controls, suppression tools, and content review to help you operate compliantly, but the responsibility for lawful collection rests with you; any content review is optional tooling and quality assurance, not legal approval, direction, or control of your collection.
As between the parties, and to the maximum extent permitted by law, you are the initiator and "maker" of every communication sent through the Platform for purposes of the TCPA and analogous laws — including communications the AI Agents send automatically pursuant to settings you enable: you determine the recipients, the channels, the content, and the consent basis, and you configure the AI-identification, opt-out, and suppression settings the Platform makes available. You also represent that you and your users are not subject to sanctions or located in an embargoed jurisdiction, and that you will not use the Platform in violation of applicable export-control or sanctions laws. Where you enable call recording or AI voice, you also represent that you will provide any notice and obtain any consent that applicable one- or two-party recording and AI-disclosure laws require.
The Platform is licensed for business-to-business receivables only. You may not use the Platform to collect debts owed by individual consumers (as defined under the FDCPA and Regulation F); consumer-debt collection requires a separate written addendum and is not authorized under these Terms. If and when consumer-debt use is enabled under such an addendum, additional consumer-protection laws would apply to you — including the FDCPA, Regulation F, and state statutes such as California's Rosenthal Act — and you would be solely responsible for compliance, including any obligation to identify automated or AI communications where required by law. Whether you collect your own debts or, on a B2B basis, debts you are authorized to collect for another, AgentCollect is a software provider, does not act as a "debt collector" on your behalf, and does not assume any obligation that those laws place on you.
Your use of the Platform is governed by the Acceptable Use Policy, which is incorporated into these Terms. We may suspend AI Agent activity or your access if we reasonably believe your use violates that policy or applicable law, or creates risk to Debtors, the Platform, or AgentCollect.
As between the parties, you own your Customer Data. You grant AgentCollect a limited, non-exclusive license to host, process, and use your Customer Data solely to provide, secure, and improve the Platform for you and as described in the Data Processing Addendum. You represent that you have the legal right to share Customer Data with us and to authorize the outreach you configure.
For personal data processed through the Platform, you are the data controller and AgentCollect is the data processor; the DPA governs that relationship. AgentCollect may use aggregated and de-identified data — which does not identify you, your Debtors, or any individual — to operate, secure, benchmark, and improve the Platform and its models. AgentCollect uses third-party subprocessors (for example, cloud hosting and voice/SMS delivery) to provide the Platform; the current list and our process for notifying you of changes are described in the DPA.
When a Debtor pays, the Debtor pays you. AgentCollect may surface a payment link in its notifications and outreach so a Debtor can pay you, but that link points to your own payment processor (for example, your Stripe account). AgentCollect does not collect, hold, route, escrow, or take custody of any Debtor funds, is not a party to the payment between you and your Debtor, and is not a money transmitter or payment processor. AgentCollect is not responsible for payment failures, refunds, chargebacks, or disputes between you, your Debtor, and your payment processor, and any fees charged by your payment processor are your responsibility. Debt amounts, payment links, and account details surfaced by the AI Agents are derived from your Customer Data and configuration; you are responsible for their accuracy.
The Platform is provided on a subscription basis. Fees are set by the plan or Order Form you select and on our Pricing page. Unless your Order Form states otherwise, subscriptions are billed in advance, are non-refundable except where required by law or as stated in Section 16, and renew automatically for successive terms unless cancelled before the end of the then-current term. We may change subscription fees on renewal with at least thirty (30) days' notice. Past-due amounts may accrue interest at 1.5% per month (or the maximum allowed by law, if lower), and we may suspend the Platform for accounts more than sixty (60) days past due after notice. We will not suspend for amounts that are subject to a good-faith dispute of which you have given us written notice. If a signed Order Form sets your pricing, that pricing controls during its term; the posted Pricing applies only at renewal or where no signed Order Form governs.
We target 99.9% monthly availability of the Platform, excluding scheduled maintenance for which we provide reasonable notice. Any service-level commitments and remedies, if offered, are stated in your Order Form. Features identified as beta, preview, or experimental are provided "as is," without availability commitments, and may change or be withdrawn at any time.
Neither party is liable for failure or delay caused by events beyond its reasonable control, including internet or telephony infrastructure, third-party services, your integrations, acts of God, labor disputes, governmental action, or denial-of-service attacks ("force majeure"). This does not excuse payment obligations for Platform already provided.
The Platform — including all software, algorithms, AI models, designs, and documentation — is and remains the exclusive property of Respaid, Inc. (d/b/a AgentCollect). These Terms grant you only a limited, non-exclusive, non-transferable right to use the Platform as described. You retain all rights in your brand, content, and Customer Data. You grant AgentCollect a limited license to use your name, logos, and sender identities solely to configure and deliver outreach under your brand as you direct. If you provide feedback, you grant us a perpetual, royalty-free license to use it to improve the Platform. With your prior written consent, AgentCollect may identify you as a customer and use your name and logo in its customer lists and marketing; you may withdraw that consent at any time by writing to legal@agentcollect.com.
Each party will protect the other's confidential information with at least reasonable care, use it only to perform under these Terms, and not disclose it except to personnel and advisors who need it and are bound by similar obligations. This obligation survives termination for three (3) years; trade secrets remain protected for as long as they qualify as such under applicable law.
AI Agents generate communications automatically and may occasionally produce output that is inaccurate or unexpected. You are responsible for configuring the Platform appropriately and for the outreach you authorize. Except as expressly stated in these Terms, the Platform is provided "as is" and "as available," and AgentCollect disclaims all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement, to the maximum extent permitted by law. AgentCollect does not warrant any specific recovery rate or collection outcome.
To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, goodwill, or data, arising from or related to the Platform. AgentCollect's total aggregate liability for all claims arising out of or related to these Terms will not exceed the fees you paid to AgentCollect in the twelve (12) months preceding the event giving rise to the claim.
The damages waiver and the liability cap above do not apply to: your payment obligations; a party's breach of its confidentiality obligations; or liability that cannot be limited under applicable law, including fraud, gross negligence, or willful misconduct. Indemnification obligations are governed by a single separate rule: in place of the general cap, each party's aggregate liability for its indemnification obligations will not exceed three (3) times the fees paid or payable under these Terms in the twelve (12) months preceding the claim, except for liability arising from that party's fraud, gross negligence, or willful misconduct, which remains uncapped.
You will defend, indemnify, and hold harmless AgentCollect and its officers, directors, employees, and agents from any third-party claim, loss, or liability (including reasonable attorneys' fees) arising from: (a) your collection activity and the debts you pursue through the Platform; (b) your violation of any law applicable to your collection or data-processing activity, including the consent and compliance obligations in Section 5 and any claim under the TCPA, CAN-SPAM, FDCPA, Regulation F, or a state debt-collection or consumer-protection statute, including class or representative actions; (c) your Customer Data or your right to use it; or (d) your breach of these Terms. AgentCollect will give you prompt written notice of any such claim and reasonable cooperation, and you will control the defense; you may not settle a claim in a way that imposes any obligation or admission on AgentCollect without its prior written consent.
AgentCollect will defend, indemnify, and hold you harmless from any third-party claim that the Platform, as provided by AgentCollect and used in accordance with these Terms, infringes that third party's intellectual-property rights. This obligation is conditioned on your giving prompt written notice, reasonable cooperation, and AgentCollect sole control of the defense and settlement. It does not apply to claims arising from your Customer Data or brand, from modifications not made by AgentCollect, from combination of the Platform with products AgentCollect did not provide, or from use of other than the most current version where the claim would have been avoided. If the Platform is or may become subject to an infringement claim, AgentCollect may, at its option, procure the right to continue using it, modify or replace it to be non-infringing, or terminate the affected service and refund prepaid, unused fees. This Section states AgentCollect's entire liability, and your sole remedy, for infringement claims.
Either party may terminate for convenience on thirty (30) days' written notice, and either party may terminate immediately for the other's material breach not cured within thirty (30) days of notice. If AgentCollect terminates for convenience, we will refund prepaid fees covering the unused portion of your term. Where you have prepaid a fixed subscription term, your termination for convenience takes effect at the end of that term and the prepaid fees for it remain non-refundable; on a non-prepaid or month-to-month plan, your termination for convenience takes effect on thirty (30) days' notice. Where your use creates an emergency or a legal or reputational risk, we may suspend or terminate access immediately; for any other violation of these Terms or the Acceptable Use Policy, we will give you notice and a reasonable opportunity to cure before suspending. We will promptly restore access once the issue is resolved. On termination, your right to use the Platform ends; you may export your Customer Data in a common machine-readable format (such as CSV) for thirty (30) days after termination, after which we may delete it in accordance with the DPA. Sections that by their nature should survive (including 7, 9, 11–15, 17, and 19) survive termination.
These Terms are governed by the laws of the State of California, without regard to conflict-of-laws rules. Any dispute arising out of or relating to these Terms will be resolved by binding arbitration administered by JAMS in San Francisco, California, under its Comprehensive Arbitration Rules, by a single arbitrator. Each party bears its own costs unless the arbitrator decides otherwise. Either party may bring an individual claim in small-claims court, and either party may seek injunctive or equitable relief in a court of competent jurisdiction to protect its intellectual property or confidential information. To the extent any claim proceeds in court, the state and federal courts located in San Francisco, California have exclusive jurisdiction.
Class-action waiver. All disputes will be resolved only on an individual basis. To the fullest extent permitted by law, you and AgentCollect each waive any right to bring or participate in a class, collective, consolidated, or representative action. If this class-action waiver is found unenforceable as to a particular claim, that claim — and only that claim — will be severed and heard in court, while all other claims remain in arbitration. This waiver governs disputes between you and AgentCollect only; it does not purport to bind any Debtor or other third party who is not a party to these Terms, and it does not limit your indemnification obligations under Section 15. Nothing in this Section waives any right to seek public injunctive relief to the extent such a waiver would be unenforceable under applicable law; any such claim is severable and may be brought in a court of competent jurisdiction.
We may update these Terms from time to time. We will communicate material changes by email or through the Platform at least thirty (30) days before they take effect. Changes apply prospectively only and do not affect accrued or disputed claims. Your continued use of the Platform after changes take effect constitutes acceptance of the revised Terms; however, if a material change to the dispute-resolution or liability terms is unacceptable to you, you may reject it by terminating before it takes effect, without penalty.
These Terms, together with the incorporated Additional Terms and any Order Form, are the entire agreement between you and AgentCollect and supersede prior agreements on this subject. If any provision is held unenforceable, the remainder stays in effect and the provision is modified to the minimum extent necessary. Failure to enforce a right is not a waiver. You may not assign these Terms without our consent, except to a successor in connection with a merger or sale of substantially all assets; AgentCollect may assign to an affiliate or successor. Nothing creates a partnership, agency, or joint venture, except the limited authorization for AI Agents to act as your configured tool as described in Section 3. These Terms create no third-party beneficiary rights; no Debtor or other person who is not a party may enforce them, except that persons AgentCollect is entitled to have indemnified under Section 15 may rely on that Section.
Questions about these Terms:
Email: legal@agentcollect.com
Respaid, Inc. (d/b/a AgentCollect)
490 Post St, San Francisco, CA