Terms of service

1. Agreement

These Terms of Service (“Terms”) form a contract between you and PayBlah (“PayBlah,” “we,” “us,” or “our”) governing access to and use of the PayBlah website, applications, APIs, and related services (collectively, the “Service”).

PayBlah is the trading name of the operating company. PayBlah is operated by PayBlah. Primary contact: Richard Brennan (hello@payblah.com). Formal company registration details used for Stripe and invoices must stay consistent with this identity.

By creating an account, starting a trial, clicking to accept, or using the Service, you agree to these Terms and to our Privacy Policy. If you use the Service on behalf of an organization, you represent that you have authority to bind that organization, and “you” means that organization.

If you do not agree, do not use the Service.

Related documents (drafts until counsel-approved) include: Privacy Policy, Refunds & Cancellation GDPR Data Request, Acceptable Use, Data Processing Addendum, Cookie Policy, GDPR & Data Protection, and Sub-Processors. Where you process personal data of invoice contacts through PayBlah, the DPA (when executed) forms part of these Terms for that processing.

2. Definitions

• Customer (also “you”) means the business that subscribes to PayBlah.
• Invoice contact means a person or business you invoice; product interfaces may label related records as “debtor” (for example “debtor portal”).
• Customer Content means data you upload, sync, import, or generate in the Service, including invoices, contact details, templates you customize within product limits, notes, and configuration.
• Active chase means an invoice currently enrolled in a live reminder sequence, counted concurrently under your plan; it stops counting when paid, paused, disputed, or closed as designed in the product.
• Safety features means product controls designed to protect relationships and recipients — including auto-pause on payment, reply, or dispute; Firm/Final approval settings; kill switch; opt-out handling; audit trail; and consent register. These are available on every plan, including trials, and are not sold as paid upgrades.

3. Service description

3.1 What PayBlah is

PayBlah is accounts-receivable (AR) / invoice-reminder software for small and mid-size businesses. It is designed to help you follow up overdue B2B invoices by email and, on eligible plans, SMS — politely, on a schedule you control — and to stop when a payment, reply, or dispute arrives.

3.2 What PayBlah is not

• Not a debt-collection agency. We do not buy debt, do not take assignment of receivables as a collector, and do not contact invoice contacts as a third-party debt collector. You remain the creditor at every step.
• Messages go out in your name (your business identity), not as PayBlah collecting for itself.
• No success fee. Fees are subscription (and any clearly stated add-ons), not a percentage of amounts paid by your invoice contacts. You keep what your customers pay you.
• We do not hold your money. Where payment links are available on your plan, payments go through an established payment provider to you. PayBlah may read status outcomes but does not take custody of funds. Card details are not meant to be handled by PayBlah.
• Not consumer-debt software. The Service is for business-to-business invoices only.
• No AI messaging features. Reminder content is template-based fixed wording you configure within product limits — not generative AI composition.

3.3 Features and plans

Feature availability depends on your plan (for example Starter, Growth, Pro, Business, or Enterprise). Illustrative capabilities may include accounting sync (such as Xero, QuickBooks Online, Sage), CSV import, email sequences, SMS allowances on higher plans, debtor portal and payment links, letters, API and webhooks, reports, and team seats. Plan details on Pricing are descriptive marketing; the Service as provisioned to your account controls. We may improve, modify, or discontinue features with reasonable notice where practicable, without reducing safety features to paid-only status.

3.4 No outcome promises

PayBlah is designed to send reminders and stop appropriately. We do not guarantee that any invoice will be paid, that any amount will be collected, or that any relationship outcome will occur. Attribution metrics in-product (where shown) follow product rules — for example amounts counted when paid within a defined window of a reminder, or via PayBlah payment links — and are not promises of future results.

3.5 Territories

The Service is offered with markets in mind including the United States, United Kingdom, Ireland, and Australia. Local telecom, privacy, and commercial rules may affect how you send email or SMS. You are responsible for lawful use in each territory where you operate or message contacts. SMS sender registration requirements (for example US 10DLC, Ireland ComReg-related rules, Australia ACMA-related rules; UK requirements differ) are operational compliance items for sending, separate from these Terms’ commercial clauses.

4. Accounts

• You must provide accurate account information and keep it updated.
• You are responsible for credentials, API keys, and activity under your account. Use strong passwords and enable optional TOTP two-factor authentication where available.
• Seats and roles (for example Admin and Standard) must be assigned only to people authorized by your organization. You remain responsible for their use of the Service.
• Owner accounts and role rules follow product design (including protections around ownership transfer and archiving of users for audit integrity).
• You must be able to form a binding contract (for example, of legal age and capacity in your jurisdiction) and use the Service only for legitimate business purposes.
• We may refuse, suspend, or terminate accounts that violate these Terms, the Acceptable use policy, or applicable law, or that present security or abuse risk.

5. Customer Content and instructions

5.1 Your ownership

As between you and PayBlah, you retain ownership of Customer Content. You grant PayBlah a limited license to host, process, transmit, display, and otherwise use Customer Content solely to provide, maintain, secure, and support the Service, and as otherwise described in the Privacy policy and DPA.

5.2 Your responsibilities

You represent and warrant that:

• You have all rights and lawful bases needed to upload Customer Content and to instruct PayBlah to send reminders and related messages to invoice contacts;
• Your use is limited to B2B invoices and does not involve consumer debt collection misuse;
• Message content and timing you configure comply with applicable law, including electronic marketing and telecommunications rules in relevant territories;
• You will not instruct the Service to harass, mislead, or unlawfully pressure invoice contacts;
• You will honor opt-outs and dispute/reply handling consistent with product safety features and law.

5.3 Our processing role

For personal data about invoice contacts within Customer Content, PayBlah acts as a processor (or service provider / equivalent), and you act as controller. For your account and billing data, PayBlah acts as a controller as described in the Privacy Policy. Processing details are set out in the DPA.

5.4 Export and deletion

You may export Customer Content using product tools where available. After termination, we will delete or return Customer Content as described in the Privacy policy and DPA, subject to legal retention needs and backup cycling. Target export-assistance and deletion windows are open owner/counsel decisions (see Privacy / DPA open decisions) — we do not invent day-counts in these Terms.

6. Acceptable use

You must comply with our Acceptable Use policy, which forms part of these Terms. Without limiting that policy, you must not:

• Use the Service for consumer debt, harassment, scams, or unlawful messaging;
• Attempt to bypass safety features, rate limits, or security controls;
• Probe, scan, or reverse engineer the Service except as allowed by mandatory law;
• Resell or white-label the Service except under a separate written agreement;
• Upload malware or content that infringes others’ rights;
• Misrepresent your identity or your relationship to invoice contacts in a way that violates law.

Tone options in the product (for example Friendly, Standard, Firm, Final) are communication styles for reminder templates. They are not authorization to use consequence language or pressure tactics the product is not designed to deliver. PayBlah is designed so firmer steps can require your approval; defaults and settings are described in product documentation and marketing, not as absolute technical impossibility of misconfiguration.

7. Fees and plans

Paid plans are subscription-based. Current plan names, list prices, included allowances (for example active chases, SMS segments, seats), and feature comparisons are described on Pricing and may change prospectively.

• No success fee and no percentage of amounts paid by your invoice contacts.
• Currency: list prices are shown in US dollars (USD) unless checkout states another currency.
• Tax: prices are exclusive of applicable taxes (VAT, GST, sales tax, and similar) unless we expressly say otherwise. Tax is calculated at checkout from your billing details. Where EU/UK B2B reverse charge applies, invoices will reflect that treatment. You are responsible for taxes on your subscription except taxes based on our net income.
• Billing period: unless checkout states otherwise, subscriptions are monthly and renew automatically until cancelled. Annual options, if offered, will be stated at checkout.
• Payment provider: card payments are processed by Stripe. You authorize us and Stripe to charge your selected payment method for fees due. PayBlah does not store full card numbers; see section 9A.
• If a payment fails, we may retry, notify you, suspend access, or terminate after notice — see Refunds & cancellation — failed payments.
• Plan limits (active chases, SMS, seats) are applied in-product. At an active-chase cap, in-flight chases may finish while new enrollments queue, as designed — PayBlah does not auto-upgrade or auto-charge higher tiers without your choice.
• Enterprise or custom agreements may supersede plan terms if signed in writing.

Refunds and cancellation detail (including mid-period cancellation, prepaid fees, trial end, and receipts) are set out in our Refunds & Cancellation policy, which forms part of these Terms for billing topics. Draft refund positions there remain subject to counsel sign-off.

8. Trial

We may offer a free trial of the Service. Trials run on the Starter feature set unless we state otherwise for a specific promotion. The trial length shown at signup controls for your account. A fixed public day-count for marketing, if required, is Open decision RC-TRIAL.

We may modify or withdraw trial eligibility to prevent abuse. At the end of a trial, continued use requires a paid plan (or another arrangement we offer). We do not silently start charging without a payment method and a clear checkout/charge step. Safety features remain available during trials and are not withheld as upsells.

9. Cancellation and suspension

9.1 Your cancellation

You may cancel your subscription in-account (when available) or by contacting support@payblah.com. Full process, effective timing, and refund rules are in Refunds & Cancellation.

Draft position: cancellation stops future renewals; access continues through the end of the current paid period already charged, unless mandatory law requires otherwise (Open decision RC-CANCEL / RC-REFUND).

9.2 Our suspension or termination

We may suspend or terminate access immediately or on notice if:

• You materially breach these Terms or Acceptable use and fail to cure within a reasonable period after notice where cure is feasible;
• Required by law or by a provider (for example telecom or payment infrastructure);
• Your use creates security, fraud, or operational risk to the Service or others;
• Fees remain unpaid after notice and retries (see failed-payment process).

9.3 Effect of termination

Upon termination, your right to use the Service stops at the end of any remaining paid access period (or sooner if terminated for breach or legal requirement). Provisions that by nature should survive (including ownership, confidentiality, disclaimers, limitations of liability, indemnity, and governing law) survive. Customer Content handling follows section 5.4 and the DPA.

9A. Card payments, Stripe, and SCA

Subscription charges are processed by Stripe. PayBlah does not store full payment card numbers (PAN) or CVC. Card data is handled by Stripe under their terms and security program. We may retain Stripe references and limited billing metadata (for example last four digits and expiry) to run the subscription.

Strong Customer Authentication (SCA) / 3-D Secure: for cards issued in the EEA, UK, and other SCA-regulated regions, Stripe may require a cardholder challenge before a payment completes. Failed or incomplete authentication may prevent signup or renewal until resolved.

Where your plan includes payment links for invoice contacts, those payments are designed to settle to you via an established provider; PayBlah does not take custody of those funds.

10. Privacy and security

Our handling of personal data is described in the Privacy Policy. Security design highlights — database-per-tenant isolation, sealed secrets, optional 2FA, portal token design, scoped API keys, signed webhooks, and audited support access — are summarized on Security. You are responsible for securing your own systems, accounting credentials, and user access policies.

You must promptly notify us of unauthorized access to your PayBlah account of which you become aware, via security@payblah.com or support@payblah.com.

11. Intellectual property

• PayBlah and its licensors own the Service, including software, branding, documentation, and site content (excluding Customer Content). These Terms do not transfer ownership of our IP to you.
• We grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Service during your subscription, solely for your internal business purposes, subject to these Terms.
• You must not copy, modify, or create derivative works of the Service except as allowed by mandatory law or our written permission.
• Feedback you provide may be used by us without obligation to you.
• Product names, logos, and “Get paid. Skip the blah.” branding are ours (or licensed to us). You may not use them in a way that implies partnership or endorsement without permission, except for truthful references to your use of PayBlah.

12. Third-party services

The Service may interoperate with third-party services you choose (accounting platforms, email/SMS infrastructure, payment providers, and others). Those services are governed by their own terms and privacy policies. We are not responsible for third-party services we do not control. Sub-processor vendors will be listed on Sub-Processors before launch; we do not invent vendor names here.

13. Warranties and disclaimers

THE SERVICE IS PROVIDED ON AN “AS AVAILABLE” AND “AS IS” BASIS TO THE MAXIMUM EXTENT PERMITTED BY LAW. WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the foregoing, we do not warrant that:

• The Service will be uninterrupted, error-free, or free of harmful components;
• Reminders will be delivered by third-party email or SMS networks in every case;
• Any invoice will be paid or any cash-flow outcome will be achieved;
• Integrations with third-party accounting or payment systems will remain available unchanged.

Nothing in these Terms excludes warranties or guarantees that cannot be excluded under mandatory law in your territory (for example certain consumer protections if they apply — though the Service is offered for business use). Where such rights apply, our liability is limited to the minimum extent permitted.

Compliance language on our site (including privacy and security materials) is designed to satisfy transparency and product-readiness expectations. It is not a warranty that the Service is “compliant with” every law in every jurisdiction without further configuration and counsel advice.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• WE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, GOODWILL, OR DATA; BUSINESS INTERRUPTION; OR COST OF SUBSTITUTE SERVICES — EVEN IF ADVISED OF THE POSSIBILITY.
• Draft liability cap (counsel must confirm — L-CAP): our total aggregate liability arising out of or related to the Service or these Terms will not exceed the fees you paid to PayBlah for the Service in the twelve (12) months before the claim (or, if less than twelve months of paid use, the fees paid to date).
• Nothing in these Terms excludes or limits liability that cannot be excluded under mandatory law (including, where applicable, liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation). Super-cap carve-outs and local mandatory wording are Open decision L-CAP for counsel.

These limits allocate risk that is reflected in our pricing (subscription, no success fee). Some jurisdictions do not allow certain limitations; in those cases, limits apply to the fullest extent allowed.

You acknowledge that invoice contacts’ payment decisions, your underlying commercial disputes, and third-party network failures are outside PayBlah’s reasonable control.

15. Indemnity

You will defend, indemnify, and hold harmless PayBlah and its personnel from and against claims, damages, losses, and expenses (including reasonable legal fees) arising out of or related to:

• Customer Content and your instructions to message invoice contacts;
• Your breach of these Terms or Acceptable use;
• Your violation of law or third-party rights in connection with the Service;
• Disputes between you and your invoice contacts or accounting/payment providers.

Any mutual indemnity for third-party IP claims against the Service itself is Open decision L-INDEM (counsel) — not assumed in this draft.

16. Governing law and disputes

Draft position (counsel must confirm — L-LAW): these Terms are intended to be governed by the laws of Ireland, and the courts of Ireland are intended to have exclusive jurisdiction, without prejudice to mandatory rights you may have in your home territory that cannot be waived. This assumes an Irish operating company matching the Stripe entity — if the Stripe entity is elsewhere, governing law must be re-aligned before launch.

Before formal proceedings, the parties will attempt good-faith negotiation for at least 30 days after written notice of a dispute (draft process — L-LAW). Arbitration vs litigation and any class-action language are counsel decisions and are not asserted here.

We intend these Terms to be usable for customers in the US, UK, Ireland, and Australia, but local mandatory rules may grant additional rights. Nothing here is designed to force unlawful waivers.

17. Changes to the Service or Terms

We may update these Terms from time to time. For material changes, we will provide notice by a reasonable method (for example email to the account owner, in-app notice, or updating the date on this page). Draft notice target: at least 14 days before material changes take effect for existing paid customers where practicable (Open decision L-NOTICE). If you do not agree to updated Terms, you must stop using the Service and cancel your subscription. Continued use after the effective date may constitute acceptance where permitted by law.

18. General

• Entire agreement. These Terms, plus policies and order/plan selections incorporated by reference (including Acceptable use, Privacy policy, and DPA when applicable), are the entire agreement regarding the Service and supersede prior conflicting discussions on the same subject.
• Severability. If a provision is invalid or not valid under applicable law, the remainder stays in effect.
• Waiver. Failure to exercise a right is not a waiver of that right later.
• Assignment. You may not assign these Terms without our consent; we may assign them in connection with a reorganization or sale of assets related to the Service. We will provide notice of assignment that affects your contracting party where practicable (email to account owner or site notice).
• Force majeure. Neither party is liable for delays caused by events beyond reasonable control (including outages of major infrastructure providers, telecom disruptions, or legal changes), except for payment obligations that remain due.
• Notices. We may notify you via the email on your account or in-product messages. Legal notices to us: see Contact.
• No agency. These Terms do not create a partnership, joint venture, or employment relationship. You are not appointing PayBlah as your debt collector.
• Order of precedence. If a signed enterprise order conflicts with these Terms, the signed order controls for that conflict. If the DPA conflicts with these Terms on data-processing specifics, the DPA controls for those specifics.
• Language. These Terms are in English (US spelling). Any translation is convenience only unless required otherwise by law.

19. Contact

Questions about these Terms:

• General: hello@payblah.com
• Support / billing: support@payblah.com
• Privacy: hello@payblah.com (or Contact form, topic Privacy & data)
• Security: security@payblah.com
• Web: About Us Vs Collection Agency Contact

Formal legal notices: send by email to hello@payblah.com with subject line “Legal notice” until a registered office postal address is published in the site footer (PayBlah / Richard Brennan (see footer)). Notices are deemed received on the business day after transmission when sent to a working address we publish.

20. Open decisions (owner / counsel)

Not invented positions — confirm before launch:

Draft website policies for product readiness — have qualified counsel review before public launch in each territory. Not legal advice.