Terms of Service

1. What the service does

UntilPaid connects to your Stripe account (with read access), watches for overdue invoices, and follows up on them automatically on your behalf — by email, by SMS, and, if you set it up, by sending a signed webhook to a system you control so you can restrict a client’s access until they pay. You decide the schedule, the wording, and which steps run.

We read your invoice and customer data from Stripe to make this work. We do not process payments, move money, or change your invoices. Stripe remains the source of truth for anything financial.

2. Your account

You must be at least 18 and using the service for a business or professional purpose. You’re responsible for the information you give us being accurate, for keeping your login secure, and for everything that happens under your account. Tell us promptly if you think someone has gained access to it.

You may not share your account, resell the service, or let anyone use it who hasn’t agreed to these terms.

3. Connecting Stripe

When you connect Stripe, you authorise us to access the invoice and customer information we need to run your follow-up sequences. You confirm that you have the right to connect that account and to have us process your clients’ information for this purpose.

Because we handle your clients’ personal data on your behalf, our Data Processing Addendum applies and forms part of these terms. In plain terms: you are the controller of that data, and we are your processor.

You can disconnect Stripe at any time from your settings. Disconnecting revokes our access and deletes your data as described in the Privacy Policy.

4. Sending messages & the law

This is the important part. When the service sends an email or SMS, it does so as you, on your behalf. You are the sender, and you are responsible for those messages complying with the law — including, depending on where you and your clients are, the GDPR, the Czech Act No. 480/2004 Coll. on Certain Information Society Services (which governs commercial communications and generally requires prior consent for marketing email/SMS), the UK/EU ePrivacy rules (PECR), and — where you contact recipients abroad — the US CAN-SPAM Act and the Telephone Consumer Protection Act (TCPA).

By using the service you confirm that:

• you have a lawful basis to contact each recipient about their overdue invoice (in most cases this is an existing business relationship, but that’s your call to make);
• you will keep your message content honest and not misleading;
• you will honour opt-outs. We give you the tools — one-click unsubscribe on emails, automatic handling of SMS STOP replies and hard bounces, quiet hours, and a suppression list — but the obligation to respect them is yours; and
• you will not use the service to harass anyone or to contact people you have no lawful reason to contact.

We may suspend sending on your account if we reasonably believe it is being used unlawfully or in a way that threatens the deliverability or reputation of our shared sending infrastructure.

5. Acceptable use

Don’t use the service to break the law, to send spam, to infringe anyone’s rights, or to interfere with how the service works. Specifically, you agree not to:

• reverse-engineer, resell, or copy the service, except where the law says we can’t stop you;
• probe, scan, or try to breach our security, or access data that isn’t yours;
• send messages to purchased, scraped, or otherwise unlawfully obtained contact lists;
• point the access-revocation webhook at systems you don’t own or aren’t authorised to control; or
• use the service to build a competing product.

6. Plans, trials & payment

Paid plans, their prices, and what’s included are shown when you sign up or upgrade, and those details are part of this agreement. Paid plans are sold through Polar (Polar Software Inc.), acting as our merchant of record — Polar processes your payment, and your purchase is also subject to Polar’s own terms. Polar’s name may appear on your card statement. Unless stated otherwise:

• Free trial. If we offer a trial, it runs for the period shown. We’ll start billing when it ends unless you cancel first.
• Subscriptions renew automatically for the same period until you cancel. You can cancel anytime from your settings; cancellation takes effect at the end of the current billing period.
• Prices exclude taxes. As merchant of record, Polar calculates, collects, and remits any VAT, sales tax, or similar due on your purchase at checkout.
• Usage-based charges (for example, SMS beyond a plan’s included allowance) are billed as described in your plan.
• Refunds. Fees already paid are non-refundable except where the law requires otherwise.
• Price changes. We may change prices for future billing periods with at least 30 days’ notice. If you don’t agree, you can cancel before the change takes effect.

If a payment fails, we may retry it and may suspend or downgrade your account until it’s resolved.

7. Third-party services

The service relies on third parties to work: Stripe (to read your invoice data), Polar (our merchant of record, which sells and bills paid plans), Postmark (to deliver reminder emails), Twilio (to deliver reminder SMS), and Railway (to host the application and its databases). Your use of the service is also subject to their terms, and we’re not responsible for their acts, outages, or decisions. If one of them changes or stops offering a service, we may need to change ours.

8. Ownership

We own the service — the software, design, and everything in it — and nothing in these terms transfers that to you. We grant you a limited, non-exclusive, non-transferable right to use the service while these terms are in force. You may give us feedback, and if you do, we can use it freely to improve the service.

9. Your data

You keep ownership of your data and your clients’ data. You grant us the permission we need to host and process it in order to provide the service. How we handle personal data is set out in the Privacy Policy and the Data Processing Addendum.

10. Availability & changes

We work hard to keep the service running, but we don’t promise it will be uninterrupted or error-free. We may carry out maintenance, and we may add, change, or remove features over time. If we make a change that materially reduces the core functionality you’re paying for, we’ll let you know.

11. Disclaimers

The service is provided “as is” and “as available.” To the fullest extent the law allows, we disclaim all warranties, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that using the service will result in any particular invoice being paid, or that any message will be delivered.

Nothing in these terms excludes any warranty or right that can’t legally be excluded.

12. Limitation of liability

To the fullest extent permitted by law:

• neither party is liable for indirect, incidental, special, or consequential damages, or for lost profits, revenue, data, or goodwill, even if told such damages were possible; and
• our total liability arising out of or relating to the service is limited to the amount you paid us in the 12 months before the event that gave rise to the claim.

These limits don’t apply to liability that can’t be limited by law, or to your obligation to pay fees. Some jurisdictions don’t allow certain limits, so parts of this section may not apply to you.

13. Indemnification

You agree to defend and indemnify us against claims, losses, and costs (including reasonable legal fees) that arise out of: the messages you send through the service; your clients’ data and your right to process it; your breach of these terms; or your violation of any law, including anti-spam, telemarketing, and data-protection laws.

14. Term & termination

These terms apply for as long as you use the service. You can stop at any time by cancelling and disconnecting Stripe. We can suspend or end your access if you breach these terms, if required by law, or if we stop offering the service (in which case we’ll give you reasonable notice and, for prepaid time you can’t use, a pro-rata refund).

When your account ends, your right to use the service stops and we delete your data as described in the Privacy Policy. Sections that by their nature should survive — ownership, disclaimers, liability limits, indemnities, and governing law — do.

15. Governing law

These terms are governed by the laws of the Czech Republic (including the Civil Code, Act No. 89/2012 Coll.), without regard to conflict-of-laws rules. The courts of the Czech Republic — specifically the court with jurisdiction over our seat, [city / competent court] — have exclusive jurisdiction over any dispute, except that either party may seek injunctive relief where necessary to protect its rights. If you’re a consumer, this doesn’t remove the mandatory protections you have under the law of your home country, and mandatory Czech consumer-protection law (Act No. 634/1992 Coll.) may also apply.

16. General

Whole agreement. These terms, plus the Privacy Policy, the DPA, and the plan details shown at signup, are the entire agreement between us and replace anything said before.

Changes. We may update these terms. If a change is significant, we’ll give you reasonable notice (by email or in the app). Continuing to use the service after a change means you accept it.

Assignment. You can’t transfer these terms without our consent. We may transfer them to an affiliate or in connection with a merger, acquisition, or sale of assets.

Severability & waiver. If part of these terms is unenforceable, the rest stays in force. If we don’t enforce a right, that’s not a waiver of it.

Force majeure. Neither party is liable for delays or failures caused by events beyond its reasonable control.

Notices. We’ll contact you at the email on your account. You can reach us at the address below.

17. Contact

Questions about these terms? Email us at [email protected]. Operated by Jonas Vondracek, Czech Republic.