1. Agreement

These terms are an agreement between you and PayCollect ("we", "us"). By creating an account or using PayCollect, you agree to them on behalf of yourself and the business you represent.

2. The service

PayCollect reads invoice and payment information you give it access to, suggests which invoices have been paid, records payments you approve in your accounting software, and sends payment reminders to your customers. PayCollect does not provide accounting, tax, legal or financial advice, and it is not a bank or payment provider.

3. Your account

You must give accurate information when you sign up and keep your login details secure. You are responsible for activity on your account. Tell us straight away if you think someone else has accessed it.

4. Connected services and uploads

When you connect QuickBooks or Stripe, you authorise us to read the data those services share under the access you approve. For accounting software you connect, you also authorise us to record payments you have approved in PayCollect. We do not post anything to your books without your approval. When you upload a spreadsheet or bank statement, or forward one by email, you confirm you have the right to share it with us. Your use of third-party services is also governed by their own terms.

5. Reminders and QuickBooks posting

Reminders are sent in your business's name to the contact details in your records. Reminders follow the schedule you set and stop once an invoice is marked paid. You can edit or pause reminders at any time. You are responsible for the content of reminders you allow to send and for having a lawful basis to contact your customers.

6. Acceptable use

• Do not use PayCollect to send messages that are false, harassing or threatening.
• Do not upload data you have no right to share.
• Do not try to break, overload or reverse-engineer the service.

7. Fees

Any fees, billing periods and refund terms will be shown to you before you are charged. We will give notice before changing prices for an existing plan.

8. Ending the agreement

You can stop using PayCollect and close your account at any time. We may suspend or close accounts that break these terms. When an account closes, scheduled reminders are cancelled and connected services are disconnected.

9. Disclaimers and liability

Matches are suggestions based on the data available and may be wrong. Please check them before relying on them. To the extent the law allows, PayCollect is provided "as is", and our total liability to you is limited to the fees you paid us in the twelve months before the claim.

10. Changes and contact

We may update these terms and will tell you about material changes before they take effect. Questions about these terms can go to .

What we collect

• Account details: your name, email, business name and login information.
• Invoice data: customer names, contact emails, invoice numbers, amounts and due dates, read from QuickBooks or from the spreadsheets you upload.
• Payment data: payment dates, amounts and payer references, read from Stripe or from the bank statements you upload or forward.
• Usage data: basic logs of how the service is used, to keep it secure and working.

How we use it

We use this information to match payments to invoices, draft and send the reminders you allow, run and secure the service, and contact you about your account.

What we don't do

• We don't sell your data or your customers' data.
• We don't ask for or store your online banking login.
• We don't change anything in your accounting software unless you approve it, and we never change anything in Stripe or your bank.

Who we share with

We use a small number of providers to host the service and send email. They process data only on our instructions. We may disclose information if the law requires it.

How long we keep it

We keep your data while your account is open. When you close it or ask us to, we delete your uploaded files and the data we read from connected services, except where the law requires us to keep records.

Your choices

You can disconnect QuickBooks or Stripe, delete uploaded files, or close your account at any time. You can also ask for a copy of your data or ask us to correct or delete it.

Contact

For privacy questions or requests, email .