Terms of Service

Effective date: April 12, 2026  ·  Last updated: April 12, 2026

These Terms of Service ("Terms") constitute a binding legal agreement between you (the merchant, "you" or "Merchant") and RecoverIQ LLC, a Texas limited liability company ("RecoverIQ," "we," "us," or "our"). By signing up for, accessing, or using the RecoverIQ service at www.recoveriqapp.com (the "Service"), you agree to be bound by these Terms. If you do not agree, do not use the Service.

Note: This document is a working draft. RecoverIQ LLC is in the process of engaging legal counsel for review of all legal documents before final publication. This draft reflects our current service terms accurately but has not yet been reviewed by a licensed attorney. Questions? Email legal@recoveriqapp.com.

1. Definitions

• "Service" means the RecoverIQ payment recovery platform, including the web dashboard, API, email delivery infrastructure, retry scheduling engine, analytics, and all associated software operated by RecoverIQ LLC.
• "Merchant" means the business or individual who creates a RecoverIQ account and connects a Stripe account to use the Service.
• "Customer" means the Merchant's end customer — the individual or business whose payment has failed and who may receive dunning communications via the Service.
• "Failed Payment Data" means invoice records, charge records, customer records, subscription records, payment method metadata, and decline information retrieved from the Merchant's Stripe account via Stripe Connect.
• "Subscription" means a paid RecoverIQ plan (Starter, Growth, or Scale) for which Merchant pays recurring monthly fees.
• "Authorized User" means any individual whom the Merchant permits to access the Service under the Merchant's account.
• "Stripe Connect" means the OAuth-based authorization mechanism through which Merchant grants RecoverIQ access to Failed Payment Data and the ability to act on the Merchant's Stripe account within the authorized scope.
• "Content" means any text, templates, email copy, or configuration data submitted by Merchant through the Service.

2. Acceptance of Terms

You accept these Terms by creating an account, clicking "I agree," or by accessing or using the Service in any way. If you are accepting on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms. If you lack such authority, do not use the Service.

Your use of the Service is also subject to RecoverIQ's Privacy Policy and Acceptable Use Policy, which are incorporated herein by reference.

3. Description of Service

RecoverIQ is an automated payment recovery platform for Stripe merchants using Stripe Billing (subscriptions). The Service connects to your Stripe account via Stripe Connect OAuth and provides:

• Automated detection and classification of failed and past-due payments
• Smart retry scheduling at statistically optimal times (adaptive per-customer, not per blanket policy)
• Pre-dunning intervention — detection of expiring cards and upcoming invoice failures before they occur
• AI-powered dunning email sequences sent on the Merchant's behalf (Growth and Scale plans)
• Recovery probability scoring and analytics dashboard
• Stripe Customer Portal link injection in all recovery emails to enable self-serve card updates

RecoverIQ acts as your agent when sending recovery emails and scheduling retries. All email communications are sent on your behalf using your configured sender identity. All retry attempts are executed using the payment method data already on file in your Stripe account — RecoverIQ does not store or transmit card numbers.

4. Eligibility

To use the Service, you must:

• Be at least 18 years of age;
• Have the legal authority to enter into a binding contract on behalf of yourself or your organization;
• Have a valid, active Stripe account in good standing that uses Stripe Billing;
• Comply with Stripe's own Terms of Service, including its Restricted Business list;
• Not be located in, or be a national or resident of, any country subject to U.S. export controls or sanctions; and
• Not be prohibited by applicable law from using the Service.

5. Account Registration and Security

To use the Service, you must register for an account. You agree to provide accurate, current, and complete information during registration and to keep your account information up to date.

You are solely responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account, whether or not authorized by you. You must notify RecoverIQ immediately at support@recoveriqapp.com if you suspect unauthorized access to your account.

RecoverIQ is not liable for any loss or damage arising from unauthorized use of your account. You may not share your account credentials with any third party except Authorized Users under your own account.

6. Stripe Integration and Authorization

The Service requires you to authorize RecoverIQ to access your Stripe account via Stripe Connect OAuth. By connecting your Stripe account, you grant RecoverIQ a limited, revocable authorization to:

• Read your invoices, customers, subscriptions, payment methods, and charge records for the purpose of identifying and processing failed payments;
• Schedule payment retries via Stripe's API within the scope of your authorization;
• Send recovery email communications to your Customers on your behalf;
• Read your Stripe account settings as necessary to provide the Service.

RecoverIQ will not perform any action outside the scope of the permissions you grant. You may revoke RecoverIQ's Stripe Connect authorization at any time by disconnecting from within the RecoverIQ dashboard or directly through your Stripe account settings. Revoking authorization will suspend the Service immediately.

You remain solely responsible for ensuring your use of the Service complies with Stripe's Terms of Service and all applicable payment network rules. RecoverIQ is not a payment processor, a money transmitter, or a card network participant.

7. Fees, Billing, Trial, and Refunds

7a. Plans and Fees

RecoverIQ offers the following monthly subscription plans:

All plans are billed monthly. Fees are charged to the payment method on file at the start of each billing period. Prices are in USD and are exclusive of any applicable taxes.

7b. Free Trial

New accounts receive a 14-day free trial. No credit card is required to start a trial. At the end of the trial period, you will be prompted to select a plan and provide a payment method to continue using the Service. If you do not provide a payment method, your account will be suspended.

7c. Billing

Subscriptions renew automatically at the end of each monthly billing period unless cancelled. Billing is handled by Stripe on our behalf. You authorize RecoverIQ to charge your payment method on file for all fees when due. If a payment fails, RecoverIQ may retry the charge and may suspend your account if payment is not collected within a reasonable period.

7d. Price Changes

RecoverIQ reserves the right to change subscription fees. We will provide at least 30 days' written notice (by email to your account address) before any price change takes effect. Your continued use of the Service after the price change takes effect constitutes your acceptance of the new fees. If you do not accept a fee change, you may cancel your subscription before it takes effect.

7e. Refunds

All fees are non-refundable except as required by applicable law or expressly stated otherwise. Partial-month cancellations are not refunded — your Service access continues through the end of the paid billing period. RecoverIQ does not guarantee any specific recovery rate or revenue outcome; no refund will be issued on the basis of recovery performance.

7f. Taxes

You are responsible for all applicable taxes, levies, or duties imposed by taxing authorities in connection with your use of the Service, excluding taxes on RecoverIQ's income.

8. Acceptable Use

Your use of the Service is subject to RecoverIQ's Acceptable Use Policy, incorporated by reference. The AUP sets out prohibited conduct, including CAN-SPAM requirements, anti-harassment standards for dunning emails, prohibited merchant categories, and enforcement procedures. Violation of the AUP may result in immediate suspension or termination of your account.

9. Merchant Data Ownership and License

You own your data. Failed Payment Data retrieved from your Stripe account belongs to you and your Customers. RecoverIQ processes it solely as your agent for the purpose of delivering the Service.

By using the Service, you grant RecoverIQ a limited, non-exclusive, royalty-free license to access, store, process, and use your data — including Failed Payment Data — solely to provide, maintain, and improve the Service for you. This license terminates when you cancel your account, subject to the data retention periods described in the Privacy Policy.

RecoverIQ may use aggregated, de-identified, anonymized data derived from the Service (with no individually identifiable merchant or customer information) to develop product features, improve retry models, and publish industry benchmarks. This does not constitute a sale or disclosure of your data.

10. Intellectual Property

RecoverIQ and its licensors retain all right, title, and interest in and to the Service, including all software, algorithms, ML models, email templates, prompt frameworks, trade secrets, trademarks, and other intellectual property. Nothing in these Terms transfers any ownership interest in the Service to you.

You retain ownership of any Content you submit to the Service (such as custom email templates or brand configurations). By submitting Content, you grant RecoverIQ a limited license to use it to provide the Service to you.

Feedback you provide about the Service may be used by RecoverIQ without compensation or attribution to you.

11. Confidentiality

Each party agrees to hold the other's Confidential Information in confidence using at least the same degree of care it uses to protect its own confidential information (but not less than reasonable care), and not to disclose it to third parties except as necessary to perform obligations under these Terms or as required by law.

"Confidential Information" means any non-public information designated as confidential or that a reasonable person would understand to be confidential given the nature of the information and circumstances of disclosure. Your Failed Payment Data is your Confidential Information. RecoverIQ's pricing, technical architecture, and product roadmap are RecoverIQ's Confidential Information. Confidential Information does not include information that is or becomes publicly known through no fault of the receiving party, independently developed, or received lawfully from a third party.

12. Warranties and Disclaimers

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

RECOVERIQ DOES NOT WARRANT OR GUARANTEE ANY SPECIFIC PAYMENT RECOVERY RATE OR REVENUE OUTCOME. RECOVERY RATES DEPEND ON MANY FACTORS OUTSIDE RECOVERIQ'S CONTROL, INCLUDING THE NATURE OF PAYMENT FAILURES, CUSTOMER PAYMENT BEHAVIOR, CARD NETWORK POLICIES, AND STRIPE'S OWN PROCESSING DECISIONS. ANY BENCHMARKS OR ESTIMATES REFERENCED IN RECOVERIQ'S MARKETING MATERIALS ARE NOT WARRANTIES.

RECOVERIQ DOES NOT WARRANT THAT THE SERVICE WILL MEET YOUR SPECIFIC BUSINESS REQUIREMENTS OR THAT ANY ERRORS IN THE SERVICE WILL BE CORRECTED. YOUR USE OF THE SERVICE IS AT YOUR OWN RISK.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL RECOVERIQ, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOSS OF DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE SERVICE, EVEN IF RECOVERIQ HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

RECOVERIQ'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO RECOVERIQ IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

These limitations apply regardless of the form of action, whether in contract, tort (including negligence), strict liability, or otherwise, and will survive and apply even if any limited remedy in these Terms is found to have failed its essential purpose. Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you.

14. Indemnification

You agree to indemnify, defend, and hold harmless RecoverIQ and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Service in violation of these Terms or the Acceptable Use Policy;
• Content you submit through or send via the Service, including dunning email content;
• Your violation of any applicable law, including CAN-SPAM, TCPA, or applicable consumer protection laws;
• Your violation of any third-party rights, including Stripe's Terms of Service; or
• Any claim by your Customers arising from dunning communications sent on your behalf by the Service.

RecoverIQ will indemnify, defend, and hold you harmless from third-party claims alleging that the Service, as used in accordance with these Terms, infringes any U.S. patent, copyright, or trademark, excluding any claim arising from your modifications to the Service or from Content you supply.

15. Term and Termination

15a. Term

These Terms begin on the date you first access or use the Service and continue until your account is terminated. Your Subscription renews monthly unless cancelled.

15b. Cancellation by You

You may cancel your Subscription at any time from the RecoverIQ billing dashboard or by contacting support@recoveriqapp.com. Cancellation takes effect at the end of the current billing period. You will retain access to the Service through the end of the period for which you have paid.

15c. Termination by RecoverIQ

RecoverIQ may suspend or terminate your account, with notice where practicable, for: (i) material breach of these Terms or the Acceptable Use Policy; (ii) non-payment of fees; (iii) violation of Stripe's Terms of Service; (iv) conduct that RecoverIQ reasonably believes creates legal risk or harm to RecoverIQ or third parties; or (v) a direction from Stripe or a regulatory authority. RecoverIQ may terminate immediately without notice for clear or egregious violations.

15d. Effect of Termination

Upon termination or expiration of your account, RecoverIQ will cease processing Failed Payment Data, stop sending dunning emails, and stop scheduling retries on your behalf. Your data will be retained for 30 days to allow for reactivation, then permanently deleted as described in the Privacy Policy. Sections 9–14 and 16–19 survive termination.

16. Modifications to These Terms

RecoverIQ may modify these Terms at any time. When we make material changes, we will notify you by email (to the address associated with your account) at least 30 days before the changes take effect and update the "Last updated" date above. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the modified Terms. If you do not accept the changes, you must cancel your account before the effective date.

17. Dispute Resolution — Arbitration and Class-Action Waiver

Important: This section contains a binding arbitration clause and a class-action waiver. Please read it carefully — it affects your legal rights, including your right to a jury trial and your right to participate in a class action.

17a. Informal Resolution First

Before initiating any formal dispute proceeding, the parties agree to attempt to resolve any controversy or claim informally. The party with a concern must send written notice describing the dispute to the other party. The parties will then meet and confer in good faith for at least 30 days before either may initiate arbitration or other formal proceedings.

17b. Binding Individual Arbitration

Except as set forth in Section 17d, any dispute, claim, or controversy arising out of or relating to these Terms or the Service that is not resolved informally will be resolved exclusively by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules, rather than in court. The arbitration will be conducted in English. The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

17c. Class-Action and Representative Action Waiver

YOU AND RECOVERIQ AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. Unless both parties agree otherwise in writing, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.

17d. Exceptions to Arbitration

Either party may bring an individual claim in small claims court if the claim qualifies under that court's rules. Either party may seek emergency injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of a party's intellectual property or confidential information rights.

17e. Arbitration Opt-Out

You may opt out of the arbitration agreement and class-action waiver in this Section 17 by sending written notice to legal@recoveriqapp.com within 30 days of first using the Service. Your notice must include your name, email address, and a clear statement that you wish to opt out of binding arbitration. Opting out will not affect any other provision of these Terms.

17f. Governing Law and Venue

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law principles. For any disputes not subject to arbitration (see Section 17d), the parties consent to exclusive jurisdiction and venue in the state and federal courts located in Texas.

17g. Jury Trial Waiver

TO THE EXTENT PERMITTED BY APPLICABLE LAW, EACH PARTY IRREVOCABLY WAIVES ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE.

18. Use of AI and Automated Processing

On Growth and Scale plans, the Service uses AI — specifically, Anthropic's Claude large language model — to personalize recovery email copy. By enabling AI personalization, you acknowledge and consent to RecoverIQ transmitting limited customer context to Anthropic as described in Privacy Policy §3. Merchants may disable AI personalization at any time from the dashboard Settings page. See the Privacy Policy for complete details on what data is and is not transmitted to Anthropic.

19. Miscellaneous

19a. Entire Agreement

These Terms, together with the Privacy Policy, Acceptable Use Policy, and Service Level Agreement, constitute the entire agreement between you and RecoverIQ regarding the Service and supersede all prior or contemporaneous agreements, representations, or understandings between the parties on those subjects.

19b. Severability

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

19c. No Waiver

RecoverIQ's failure to enforce any provision of these Terms is not a waiver of its right to do so in the future.

19d. Assignment

You may not assign or transfer your rights or obligations under these Terms without RecoverIQ's prior written consent. RecoverIQ may assign these Terms in connection with a merger, acquisition, or sale of substantially all of its assets, with notice to you.

19e. Notices

RecoverIQ will send notices to the email address associated with your account. You may send legal notices to RecoverIQ at legal@recoveriqapp.com. Notices are effective when sent by email.

19f. Force Majeure

Neither party will be liable for any failure or delay in performance to the extent caused by circumstances beyond that party's reasonable control, including natural disasters, acts of government, internet infrastructure failures, or Stripe platform outages.

19g. Contact

Questions about these Terms? Contact us at:

• Legal notices: legal@recoveriqapp.com
• General support: support@recoveriqapp.com
• Entity: RecoverIQ LLC, Texas, United States