Terms of Service

1. Acceptance and Scope

By creating an account, clicking a button labeled “I agree” or similar, or otherwise accessing or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

You represent that you are at least 18 years old and that you have the authority to enter into these Terms on behalf of the business whose name you provide during signup. References to “you” or “Client” include the individual accepting these Terms and the business on whose behalf the individual is acting.

These Terms apply to the hosted Service as delivered through portal.jmjbillings.com and any related JMJ Billings sub-domain, application programming interface, or downloadable component licensed to you to use the Service. The limited license granted in Section 12 (Intellectual Property) constitutes the EULA component of this combined agreement.

2. Description of Service

JMJ Billings provides:

• An automated accounts-receivable workflow that sends chase emails from pre-approved templates on your behalf at scheduled intervals based on invoice age.
• Optional integrations with QuickBooks Online (to sync invoice, customer, and payment data) and with Gmail or Microsoft 365 (to send chase emails from your authorized email address via OAuth).
• Inbound reply classification, recovery scoring, and reporting on AR performance.
• White-glove subdomain setup for clients who want chase emails to originate from a chase-specific sub-domain rather than from a connected mailbox.
• Optional referral to JMJ Billings’ agency-channel partner network at advanced collection stages, subject to your written authorization on a per-account basis.

Creditor’s agent, not third-party debt collector. JMJ Billings operates the Service as your agent in connection with accounts you own (i.e., debts owed directly to you, the Client). The Service is not a third-party debt collector under the Fair Debt Collection Practices Act (FDCPA) for accounts in your own name. You retain ownership of the underlying receivables and remain the legal creditor at all times.

3. User Accounts and Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at info@jmjbillings.com if you suspect unauthorized access.

Two-factor authentication (TOTP) is required and enforced after initial account creation. You agree to keep your TOTP device or recovery codes secure.

You may close your account at any time. We may suspend or terminate accounts for violation of these Terms, non-payment, abuse of the Service, or as required by law. See Section 16 (Termination).

4. Subscription, Plans, and Billing

The Service is offered on a subscription basis through Stripe.

Plans

• Monthly: US$299 per month, billed at the start of each monthly term.
• Annual: US$2,500 per year, billed at the start of each annual term.

Free trial

New Clients are eligible for a free trial of ninety (90) days. No charge is incurred during the trial period. At the end of the trial, your selected plan begins billing automatically unless you cancel before the trial ends. You may cancel at any time during the trial from the Billing section of your account dashboard or by emailing info@jmjbillings.com.

Automatic renewal

Subscriptions renew automatically at the end of each billing period until cancelled. You may cancel at any time from the Billing section of the account dashboard or by emailing info@jmjbillings.com. Cancellation stops future renewals; access continues through the end of the current paid period.

Pricing changes

We may change pricing on renewal with at least thirty (30) days’ notice via email to the address on file. You may cancel before renewal if you do not accept the new price.

Refunds

Except as required by applicable consumer-protection law, subscription fees are non-refundable. Refund requests for extraordinary circumstances (extended Service outage, billing error) may be considered on a case-by-case basis at our discretion.

Agency-channel margin

When you authorize JMJ Billings to refer an unresolved account to a partner collection agency at advanced escalation stages, the partner agency’s standard contingency fee applies to amounts the agency actually recovers. JMJ Billings retains a five percent (5%) margin on the agency’s recovered amounts as compensation for placement and ongoing oversight of the referred account. The remainder (the agency’s contingency fee less the 5% margin) is paid to the partner agency, and the net recovered balance is returned to you, all in accordance with the written placement authorization you sign on a per-account basis at the time of referral. No agency-channel referral occurs without that per-account authorization.

5. Client Responsibilities and Representations

You represent, warrant, and agree that:

• Creditor status. For every invoice you upload or sync into the Service, you are the original creditor or have been assigned the receivable, you have authority to communicate with the recipient about the debt, and the debt is bona fide, not time-barred or otherwise unenforceable, and lawfully collectible from the recipient in the jurisdiction where the recipient resides.
• Do-Not-Contact (DNC) maintenance.You will maintain an accurate and current Do-Not-Contact list within the Service. You will promptly add any recipient to your DNC list upon (a) a recipient’s written request to stop communication, (b) a formal cease-and-desist notice, (c) notice of dispute that requires verification under applicable law, or (d) any other circumstance in which continued contact would violate law. JMJ Billings enforces a three-layer DNC guardrail (hard list, AI suggestion, daily pre-send check), but maintaining the underlying list is your responsibility.
• Regulatory compliance. You will use the Service only in compliance with all applicable laws, including without limitation the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, state and local debt-collection laws (including for example Texas Finance Code chapter 392, Connecticut Public Act 22-114, and the Rosenthal Fair Debt Collection Practices Act in California), and all consumer-protection, anti-spam, and email-authentication requirements that apply to the messages you send via the Service.
• Consumer (B2C) vs. business (B2B).You will correctly classify each recipient as a consumer or a business and will not use the Service’s shared apex sending address (the “Skip” onboarding path) for consumer recipients. That address is B2B-only because the FDCPA collector-identity requirement cannot be satisfied from a shared address; you explicitly acknowledged this constraint during onboarding if you chose that path.
• Data accuracy and lawfulness. You are solely responsible for the accuracy, completeness, and lawfulness of the invoice, customer, and contact data you upload or sync into the Service, and for any consents required to send commercial email to the recipients listed in that data.
• Template review. You acknowledge that the chase email templates you authorize were drafted as general-purpose commercial AR reminders. You are responsible for reviewing any template you authorize and for confirming that the template is suitable for your industry, your recipients, and the jurisdictions in which your recipients reside.

Breach of any representation in this Section 5 is a material breach of these Terms and is grounds for immediate suspension or termination under Section 16.

6. Acceptable Use

You will not, and will not permit anyone using your account to:

• Send mass unsolicited commercial email (spam) or otherwise use the Service to send communications that violate the CAN-SPAM Act, anti-spam laws of other jurisdictions, or the acceptable-use policies of any underlying email provider (Postmark, Google, Microsoft).
• Use the Service in a manner inconsistent with FDCPA, TCPA, state or local debt-collection law, or any other applicable regulation referenced in Section 5.
• Send chase emails to consumer (B2C) recipients using the JMJ Billings shared apex sending address (see Section 5).
• Use the Service to harass, defame, or threaten any person, or to attempt to collect a debt that you know or reasonably should know is invalid, disputed, or time-barred.
• Reverse-engineer, decompile, scrape, or attempt to discover the underlying source code, models, or template content of the Service.
• Resell, sublicense, white-label, or otherwise expose the Service as a hosted offering to third parties without our prior written authorization.
• Interfere with or disrupt the integrity, security, or performance of the Service, including by submitting malicious code, attempting unauthorized access, or probing for vulnerabilities outside an authorized security-testing program.

7. Customer Data

You retain ownership of your data — invoice records, customer contact information, sent and received messages, and any other data you upload, sync, or generate through the Service (“Customer Data”).

You grant JMJ Billings a worldwide, non-exclusive, royalty-free license to use, process, store, transmit, and display Customer Data solely for the purpose of providing and improving the Service, supporting you, ensuring Service security, and complying with legal obligations. We do not sell Customer Data and do not use it to train machine-learning models for use outside your account.

Reply classification (intent and sentiment of inbound replies) may be performed using third-party large-language-model APIs. Outbound debtor email content is sent only from your pre-approved templates and is never generated by a large-language model. See our Privacy Policy for the full data-handling disclosure.

8. Confidentiality

Each party (the “Receiving Party”) may obtain information from the other (the “Disclosing Party”) that is confidential or proprietary (“Confidential Information”). Confidential Information includes business and financial information, customer and recipient lists, technical specifications, pricing, unreleased product features, security configurations, and any information marked confidential or that a reasonable person would understand to be confidential under the circumstances.

The Receiving Party agrees to: (a) use Confidential Information only to perform under these Terms and the Service; (b) protect Confidential Information using the same standard of care it uses to protect its own confidential information of similar importance, which in no case is less than reasonable care; and (c) not disclose Confidential Information to any third party except to employees, contractors, and subprocessors who need it to perform under these Terms and who are bound by confidentiality obligations no less protective than these.

Confidential Information does not include information that: (i) is or becomes publicly available through no fault of the Receiving Party; (ii) was rightfully in the Receiving Party’s possession before disclosure; (iii) is independently developed without use of the Disclosing Party’s Confidential Information; or (iv) is rightfully obtained from a third party without confidentiality obligations. The Receiving Party may disclose Confidential Information to the extent compelled by law, court order, or regulatory request, provided it gives the Disclosing Party prompt notice and reasonable cooperation to challenge or limit the disclosure where lawful.

9. Subprocessors

We engage third-party subprocessors to deliver the Service (for example, infrastructure hosting, transactional email, payment processing, and AI classification). The authoritative, current list of our subprocessors — including each vendor’s name, purpose, data categories, and processing location — is published at /subprocessors and is updated when subprocessors change. Material changes are emailed to active Clients at least thirty (30) days in advance where commercially feasible.

By using the Service, you authorize JMJ Billings to engage the subprocessors listed on the Subprocessors page and any successor or replacement subprocessor we identify, in each case under written terms requiring confidentiality and data-protection practices substantially similar to those described in our Privacy Policy.

10. Security and Privacy

JMJ Billings maintains administrative, technical, and physical safeguards designed to protect Customer Data against accidental or unlawful destruction, loss, alteration, unauthorized disclosure, and unauthorized access. These safeguards include encryption in transit (TLS) and at rest (including AES-256-GCM at the application layer for OAuth tokens and other sensitive secrets), role-based access control, multi-factor authentication for our personnel, environment-segregated infrastructure, audit logging, and routine backup and disaster-recovery testing.

Our handling of personal data is described in our Privacy Policy, which is incorporated into these Terms by reference. If you require a Data Processing Agreement (DPA), contact info@jmjbillings.com.

11. Service Availability and Support

We use commercially reasonable efforts to keep the Service available on a 24/7 basis, subject to scheduled maintenance, emergency maintenance, and outages caused by factors outside our reasonable control. We do not commit to a contractual uptime service-level agreement at the price tiers described in Section 4; enterprise customers requiring a written SLA may negotiate one separately by contacting info@jmjbillings.com.

Email support is available at info@jmjbillings.com during normal U.S. business hours (Central Time). We target initial response within one (1) U.S. business day for non-urgent issues and materially faster for outages or security matters. Self-service help, documentation, and onboarding guidance are available inside the portal.

12. Intellectual Property and License

JMJ Billings, including all software, designs, templates, scoring algorithms, classification models, dashboards, workflows, and documentation (“JMJ Materials”), is and remains the property of JMJ Billings and its licensors. Subject to your compliance with these Terms and payment of all applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Service and the JMJ Materials during your subscription term for your own internal business purposes. This license constitutes the EULA component of this combined agreement and ends automatically on termination.

Your data remains your property (Section 7). Feedback you submit to us about the Service may be used by JMJ Billings without restriction.

13. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

JMJ Billings is a software tool and not a law firm, accounting firm, or third-party debt collector. Nothing in the Service constitutes legal, accounting, or regulatory advice. Compliance with FDCPA, TCPA, state debt-collection law, and any other applicable regulation remains your responsibility under Section 5.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, JMJ BILLINGS AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE.

OUR TOTAL CUMULATIVE LIABILITY UNDER THESE TERMS IS LIMITED TO THE AMOUNT YOU PAID FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED U.S. DOLLARS (US$100), WHICHEVER IS GREATER.

15. Indemnification

You agree to indemnify, defend, and hold harmless JMJ Billings and its directors, officers, employees, and agents from and against any third-party claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Service in violation of these Terms or applicable law, including FDCPA, TCPA, or CAN-SPAM violations arising from communications you send; (b) the accuracy, completeness, or lawfulness of Customer Data you provide; (c) any claim that an invoice or debt you submitted to the Service is invalid, disputed, or unenforceable; or (d) your breach of any representation, warranty, or covenant in these Terms.

16. Termination

You may terminate your account at any time by cancelling your subscription and requesting account deletion via info@jmjbillings.com. On deletion we will remove your account and Customer Data subject to the retention windows described in our Privacy Policy.

We may suspend or terminate your account immediately if you materially breach these Terms, fail to pay amounts owed, or use the Service in a way that exposes JMJ Billings or its other customers to legal or operational risk. Where reasonably possible we will notify you first and provide an opportunity to cure.

On termination, the limited license granted in Section 12 ends and you must stop using the Service. Sections 5, 7, 8, 12, 13, 14, 15, 17, and 18 survive termination.

17. Governing Law and Notices

These Terms are governed by the laws of the State of Texas, USA, without regard to its conflict-of-laws principles. Subject to the binding-arbitration clause in Section 18, the state and federal courts located in Travis County, Texas, have exclusive jurisdiction to hear any dispute that is excluded from arbitration (including injunctive or equitable relief to protect intellectual property or Confidential Information), and you consent to the personal jurisdiction and venue of those courts.

Notices. Notices to JMJ Billings must be in writing and addressed to JMJ Billings, LLC at [BUSINESS_ADDRESS_PLACEHOLDER], with a copy by email to info@jmjbillings.com. Notices are effective on actual receipt. Notices to you may be delivered to the email address on file with your account and are effective on send.

18. Dispute Resolution; Binding Arbitration; Class-Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES THAT MOST DISPUTES BE RESOLVED BY BINDING ARBITRATION ON AN INDIVIDUAL BASIS AND THAT YOU WAIVE THE RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.

Agreement to arbitrate.Any dispute, claim, or controversy arising out of or relating to these Terms or to your use of the Service (a “Dispute”) that the parties cannot resolve through good-faith negotiation within thirty (30) days of written notice shall be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules then in effect. Arbitration shall be conducted by a single arbitrator, seated in Austin, Texas, and the language of the arbitration shall be English. Judgment on the award may be entered in any court of competent jurisdiction.

Class-action waiver. ARBITRATION UNDER THESE TERMS SHALL BE CONDUCTED ON AN INDIVIDUAL BASIS ONLY. THE ARBITRATOR HAS NO AUTHORITY TO HEAR CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDINGS. EACH PARTY EXPRESSLY WAIVES THE RIGHT TO PARTICIPATE IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION AGAINST THE OTHER PARTY, WHETHER IN ARBITRATION, IN COURT, OR OTHERWISE.

Exceptions. Notwithstanding the above, either party may bring an individual action in small-claims court for claims that qualify, and either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect intellectual property or Confidential Information. If the class-action waiver in this Section 18 is held unenforceable, the balance of this Section 18 shall remain in force; if any other portion of this Section 18 is held unenforceable, that portion shall be severed and the remainder shall continue in effect.

Costs and fees.The AAA filing, administrative, and arbitrator’s fees shall be governed by the AAA’s Commercial Arbitration Rules in effect at the time of the arbitration demand. Each party shall otherwise bear its own attorneys’ fees and costs, except where the arbitrator awards fees and costs to the prevailing party as permitted by applicable law or the AAA Rules.

19. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated via email to the address on file and posted here with an updated “Last updated” date. Material changes take effect thirty (30) days after notification unless a shorter period is required by law. Continued use of the Service after the effective date constitutes acceptance of the revised Terms.

20. Miscellaneous

If any provision of these Terms is held unenforceable, the remaining provisions remain in effect. Our failure to enforce a right or provision does not constitute a waiver. You may not assign these Terms or any rights or obligations under them without our prior written consent; we may assign these Terms in connection with a merger, acquisition, financing, or sale of substantially all of our assets. These Terms, together with the Privacy Policy and any per-account written authorization referenced in Section 4, constitute the entire agreement between you and JMJ Billings regarding the Service and supersede any prior agreements on the same subject matter.

See also

• Privacy Policy
• Subprocessors
• Accessibility Statement

Contact

Questions about these Terms? Email info@jmjbillings.com or write to JMJ Billings, LLC at [BUSINESS_ADDRESS_PLACEHOLDER].