Terms of Service

Recoupr is software that sends automated, escalating payment reminders to your customers (“debtors”) on your behalf, applying built-in contact rules aligned with the ACCC/ASIC Debt Collection Guideline. When you use Recoupr, you appoint us as your authorised agent for the limited purpose of sending communications in your name. You remain the creditor and the sender of every message.

Recoupr has no authority to negotiate, settle, discount, or enter into alternative payment or installment arrangements on your behalf. All such negotiations or inbound debtor communications must occur directly between you and the debtor.

Recoupr is not: a debt collection agency; a law firm and nothing in the service is legal advice; a financial service, payment processor, or money handler. Debtor payments are made directly to you using the payment instructions you provide. No debtor funds ever pass through Recoupr.

You must be an Australian business (with an ABN), authorised to act for that business, and the invoices you upload must be genuine debts owed to that business.

You may upload genuine original trade debts owed by businesses (B2B) or individuals (B2C). However, you are strictly prohibited from uploading purchased or assigned debt portfolios, or any debts arising from National Consumer Credit Protection (NCCP) regulated credit contracts (such as consumer loans, credit cards, or personal lines of credit). You acknowledge you must evaluate individual debtors for vulnerability before engaging automated sequences.

You warrant and agree that:

• (a) Debts are genuine and accurate. Every invoice you upload is a true, correct, currently-owed debt, and the debtor details are accurate.
• (b) You have the right to pursue them. You will not upload debts you know to be disputed-in-substance, already paid, statute-barred, or otherwise not lawfully pursuable. If you are unsure whether an old debt is statute-barred, obtain your own advice before uploading it.
• (c) You keep status current. You will promptly mark invoices paid when payment arrives, so reminders stop. Continuing to allow reminders on a debt you know is paid is a breach of these terms.
• (d) You respect the protections. Hardship notifications, opt-outs, and dispute holds pause contact automatically and you must not attempt to circumvent them, including by re-uploading a debtor under new details.
• (e) Your escalation note is yours. If you add an optional escalation note to firm-stage reminders, it must be truthful (a step you genuinely take) and lawful. You are solely responsible for its content.
• (f) You comply with law. You remain responsible for your own compliance with the Australian Consumer Law, the ACCC/ASIC Debt Collection Guideline, the Privacy Act, and any industry rules that apply to you. Recoupr’s built-in rules assist your compliance; they are not a guarantee of it and are not legal advice.
• (g) Late fees and add-ons. You warrant that the invoice amount uploaded does not include any late fees, administrative charges, or debt collection costs unless you have a strict, written contractual right to claim them from the debtor under your original terms of trade.
• (h) Contact data sourcing. You must only upload contact information and details directly collected from the debtor in the course of your primary business relationship. Using Recoupr to process scraped, purchased, or third-party enriched contact lists is strictly prohibited.

Recoupr schedules and sends reminder emails (and, on eligible plans, SMS) within built-in limits: contact-hour windows in the debtor’s local time, no Sundays or public holidays, a maximum contact frequency per debtor, escalating message stages, and automatic holds for hardship, disputes, and opt-outs. We may decline or stop sending any message that we reasonably believe is unlawful or abusive. Message delivery depends on third-party networks and cannot be guaranteed.

Debtors pay you directly using the payment instructions you supply. You are solely responsible for the accuracy of those instructions and for reconciling payments. Recoupr displays what you provide and never receives, holds, or transmits debtor funds.

• Plans are billed monthly in advance in AUD via Stripe: Starter $69 (up to 10 active invoices), Standard $149 (up to 30), Pro $299 (up to 100, includes SMS reminders when available). “Active” means currently in a recovery sequence; paid or closed invoices don’t count.
• New accounts receive a 14-day free trial. No setup fees. No commission or percentage of what you recover — ever.
• If you exceed your plan’s active-invoice cap, existing sequences continue but new sequences wait until you upgrade or capacity frees; recovery in progress is never cut off mid-sequence.
• You can cancel anytime via your billing portal; service continues to the end of the paid period. Fees are non-refundable except as required by the Australian Consumer Law.
• We may change pricing for future billing periods with at least 30 days’ notice.

You must not use Recoupr to harass or intimidate any person; to pursue amounts not genuinely owed; to send bulk reminders on aged debt portfolios purchased from third parties; to impersonate another business; or in any way that damages the deliverability or reputation of the service for other customers. We may suspend accounts that create spam complaints, high bounce rates, or regulator attention, after notice where practicable.

You confirm you are entitled to provide the debtor information you upload and that doing so complies with your own privacy obligations. Our handling of personal information is described in our Privacy Policy, which forms part of these terms. You retain ownership of your data; you grant us the licence needed to operate the service.

We aim for high availability but the service is provided “as is” and may be interrupted for maintenance or by events beyond our control. We may improve or change features over time; we will not materially reduce the core service you pay for during a paid period without notice.

Nothing in these terms excludes rights under the Australian Consumer Law that cannot be excluded. Where our liability can be limited, it is limited, at our choice, to re-supplying the service or refunding the fees you paid in the three (3) months before the event giving rise to the claim. We are not liable for indirect or consequential loss, including loss of profits or the non-recovery of any debt. Recoupr does not guarantee that any invoice will be paid.

You indemnify Recoupr against claims, penalties, and losses arising from: debts you upload that were not lawfully pursuable; inaccurate data you provide; your escalation note; or your breach of these terms or of law — except to the extent caused by our breach.

You may close your account at any time. We may suspend or terminate for material breach (with notice and a chance to remedy where reasonable) or immediately for unlawful use. On termination we will make your data available for export for 30 days, then delete or anonymise it except where retention is legally required (including immutable audit and payment records).

These terms are governed by the laws of Victoria, Australia. If any clause is unenforceable, the rest survive. We may update these terms with 30 days’ notice for material changes; continued use after the effective date is acceptance.

Before commencing any formal legal proceedings, both parties agree to attempt to resolve the dispute in good faith through mediation in Victoria, Australia. This requirement does not apply to Recoupr seeking urgent injunctive relief for platform abuse, or to actions brought within a small claims tribunal jurisdiction.

MTB · ABN 27766402118 · trading as Recoupr · support@recoupr.com.au