Terms of Use

1. About these Terms

1.1  These Terms are a binding agreement between you and Payre. They apply to (a) Account Holders (people who register for a Payre account, including Creditors who raise or manage a Claim — a late-payment or debt-recovery matter — and any professional partners); (b) Debtors and Guarantors named in a Claim who access or respond to a claim notice; and (c) visitors to our website.

1.2  You must be at least 18 years old and capable of entering into a binding contract to use the Services. If you use the Services on behalf of a business or other entity, you confirm that you are authorised to bind it, and “you” includes that entity.

1.3  These Terms incorporate our Privacy Policy and any plan, order or supplemental document we present to you or that you sign through the Services (such as a Letter of Authority or a warrant to act). If a supplemental document conflicts with these Terms, the supplemental document governs for its subject matter.

2. The Services

2.1  Payre is a platform for creditors and debtors to manage and resolve late payments, supported by third-party professional service providers such as accountants and lawyers who may co-manage a Claim. Features may include claim notices and case pages, automated reminders by email and SMS, document generation (such as letters of demand), postal dispatch, identity verification, case records, and a public business directory.

2.2  We are not a law firm or a debt-collection adviser. We do not provide legal, financial or debt-collection advice, and nothing in the Services is advice. Where legal services are involved, they are provided by independent law firms engaged under their own terms (see clause 7).

2.3  No guarantee of outcome. We do not guarantee that any debt will be recovered, that a Debtor or Guarantor will respond or pay, or that any particular result will be achieved.

2.4  We do not hold repayments. Repayments of the underlying debt are made directly between the Debtor (or Guarantor) and the Creditor. We do not hold, receive or transmit repayment funds. Fees payable to us are separate (see clause 8).

3. Accounts and identity verification

3.1  You must provide accurate, current and complete registration information and keep it up to date. You are responsible for keeping your sign-in credentials confidential and for all activity under your account.

3.2  We may require identity verification — performed by our verification provider — before you can use certain features (for example, filing further Claims). We may decline, limit or suspend access pending verification, or where verification fails or we suspect fraud or misuse.

3.3  Your account is personal to you (or your entity) and may not be sold or transferred without our consent.

4. Claims: Creditor responsibilities

4.1  When you raise or manage a Claim, you confirm that:

(a) the debt is genuine, owing and correctly stated (including amounts, dates and references), and you are entitled to pursue it;

(b) documents and information you upload are authentic and accurate;

(c) you have a lawful basis and the authority to provide the personal data of the Debtor and any Guarantors, and their contact details are, to your knowledge, correct (see our Privacy Policy); and

(d) pursuing the Claim through the Services complies with the laws that apply to you, including any rules governing debt-collection conduct.

4.2  You must keep a Claim up to date promptly — including recording repayments, settlements, disputes and corrections — because notices and reminders are generated from the information you provide.

4.3  You must not raise a Claim that is false, inflated, known to be unenforceable, or pursued to harass or exert improper pressure.

4.4  Where you choose to make a claim notice publicly available (where that option is offered), you authorise its publication and remain responsible for its accuracy and lawfulness. We may unpublish or restrict any claim notice at any time.

4.5  We may request supporting evidence, pause outreach, or decline, suspend or close a Claim at our discretion, including where we suspect inaccuracy or misuse.

5. Debtors and Guarantors

5.1  If you are named in a Claim as a Debtor or Guarantor, you may access the claim page (for example, using the link and access PIN provided in a notice) to view the Claim, respond, acknowledge, propose repayment or record a dispute.

5.2  The underlying debt is a matter between you and the Creditor. We operate the platform and send communications on the Creditor's instructions; we do not adjudicate disputes or verify every detail of a Claim.

5.3  If you dispute the debt, you should record the dispute on the claim page or raise it with the Creditor. Your responses are recorded on the case and shared with the parties involved in the Claim.

5.4  For questions about how the platform has handled you — including communications preferences and your personal data — contact us under clause 22 and see our Privacy Policy.

6. Communications

6.1  You agree that we may send communications about your account or a Claim by email, SMS and through the platform. For SMS, message frequency varies and message and data rates may apply; you can reply STOP to stop and HELP for help.

6.2  Opt-out, suppression and our handling of contact details are described in our Privacy Policy. Opting out of case-related messages may affect our ability to keep you informed about a Claim.

6.3  We send marketing communications only where permitted, and you may opt out of them at any time.

7. Professional service providers

7.1  Claims may be supported or co-managed by independent professional service providers, such as accountants and law firms (“professional partners”). Professional partners are not our employees or agents. Their services are provided under their own terms of engagement — for example, a warrant to act that you sign appointing a law firm to represent you.

7.2  We are not a party to the relationship between you and a professional partner and are not responsible for their advice or services. Complaints about a professional partner should be raised with that partner or its professional body; we will provide reasonable assistance.

7.3  Where you sign a Letter of Authority appointing us to act in relation to your receivables, the scope of that authority is set out in that document.

7.4  Professional partners do not earn any additional commission for successful recovery beyond the fees originally prescribed by Payre (see clause 8). Accordingly, a professional partner will not separately charge you for pursuing a Claim, except for judicial and statutory processes — for example, court appearances and the statutory fees and costs of administration, liquidation or bankruptcy — unless otherwise disclosed to, or agreed with, you separately.

8. Fees and payment

8.1  Fees for the Services are as set out on our pricing page or as otherwise agreed with you. They may include plan or subscription fees, success fees calculated on amounts recovered or repaid under a Claim, and per-use charges (for example, postage for letters of demand).

8.2  Success fees become payable when a repayment is made or is recorded or confirmed on a Claim. You must record repayments promptly (see clause 4.2).

8.3  We invoice through our payment processor. Invoices are payable by their due date. Fees are exclusive of taxes unless stated; you are responsible for applicable taxes.

8.4  If your fees are unpaid, we may suspend features or Claims, and recover our reasonable costs of collection, in each case as permitted by law.

8.5  Fees are non-refundable except as required by law or as we expressly state. We may change pricing prospectively by posting updated pricing or notifying you; continued use after a change takes effect constitutes acceptance.

8.6  Authority to bind a Creditor. If you accept these Terms, or raise or manage a Claim, on behalf of a Creditor or other entity, you warrant that you are authorised to bind that entity. If you are not, then (a) you are personally liable for the fees and amounts that would have been payable to Payre under these Terms as if you had been authorised; and (b) you indemnify Payre against any loss arising from your lack of authority. This is in addition to, not instead of, any liability of that entity.

9. Intellectual property and your content

9.1  The Services, including software, design, text and graphics (other than content submitted by users), are owned by us or our licensors. We grant you a limited, non-exclusive, non-transferable licence to use the Services for your internal business purposes in accordance with these Terms. You may not copy, modify, distribute or create derivative works of the Services except as permitted by law.

9.2  You retain ownership of the content you submit (such as claim details, documents, comments and reviews). You grant us a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, process, display and share that content as needed to operate the Services — including sharing it with the parties to a Claim and professional partners, generating case documents, and public display where you enable it — and to comply with law. This licence continues for as long as needed for those purposes.

9.3  You are responsible for your content, including having the rights to submit it.

9.4  If you give us feedback or suggestions, we may use them without restriction or compensation.

11. Acceptable use

11.1  You must not:

(a) use the Services for any unlawful purpose, or raise false or misleading Claims;

(b) harass, threaten, abuse or exert improper pressure on any person, or use information obtained through the Services to do so;

(c) impersonate any person or misrepresent your authority or affiliation;

(d) infringe the rights of others, including intellectual-property and privacy rights;

(e) use information received through a Claim for purposes unrelated to that Claim without the other party's express agreement;

(f) interfere with the security or operation of the Services, including by introducing malicious code or imposing an unreasonable load;

(g) scrape, harvest or bulk-extract data from the Services, or use the Services to build a competing product or database;

(h) attempt to access accounts, Claims or data you are not authorised to access, or circumvent access controls; or

(i) resell or make the Services available to third parties except as we agree in writing.

12. AI-assisted features

12.1  Some features use automated and AI-based tools — for example, to read uploaded documents and prefill or verify claim details. AI output can be incomplete or inaccurate. You must review information and documents generated or extracted for you before relying on them or sending them, and you are responsible for what you approve and send.

12.2  How personal data is handled in these features is described in our Privacy Policy.

13. Third-party services

13.1  The Services depend on third-party providers (for example, for payments, identity verification, messaging and hosting). Your use of third-party services may be subject to their own terms, and we are not responsible for their acts, omissions or availability.

13.2  The Services may link to third-party websites or content that we do not control and are not responsible for.

14. Privacy

14.1  Our Privacy Policy explains how we collect, use, disclose and protect personal data in connection with the Services, and forms part of these Terms.

15. Disclaimers

15.1  The Services are provided on an “as is” and “as available” basis. To the extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement, and we do not warrant that the Services will be uninterrupted, error-free or secure.

15.2  Notices, templates and case documents generated through the Services are tools, not advice. For legal matters, you should obtain advice from a qualified professional.

15.3  We do not verify every Claim, response or user, and we are not responsible for the conduct of Creditors, Debtors, Guarantors or professional partners.

16. Limitation of liability

16.1  To the extent permitted by law, we will not be liable for any indirect, incidental, special, consequential or punitive loss, or for loss of profits, revenue, business, goodwill or data, arising out of or in connection with the Services.

16.2  To the extent permitted by law, our total aggregate liability arising out of or in connection with the Services in any 12-month period is limited to the total fees you paid to us in the 12 months preceding the event giving rise to the liability.

16.3  We are not liable for a Debtor's or Guarantor's failure to pay, or for a Creditor's conduct in pursuing a debt.

16.4  Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.

17. Indemnity

17.1  You will indemnify and hold us (and our officers, employees and agents) harmless from and against losses, liabilities, claims and reasonable expenses (including legal fees) arising from your content, the Claims you raise or pursue, your use of the Services in breach of these Terms, or your violation of law or of the rights of any person — except to the extent caused by our breach of these Terms.

18. Suspension and termination

18.1  You may stop using the Services and close your account at any time by contacting us under clause 22. Fees already due remain payable.

18.2  We may suspend, limit or terminate your access — and pause, unpublish or close Claims — where you breach these Terms, where we suspect fraud, false Claims or other misuse, where required by law or legal risk, or for non-payment, giving notice where practicable.

18.3  On termination, the licences granted to you end, and we may retain records as described in our Privacy Policy and as required by law. Provisions intended to survive termination (including clauses 9, 14, 15, 16, 17, 20 and 21) survive.

19. Changes to the Services or these Terms

19.1  We may change, add to or discontinue features of the Services. We will act reasonably where a change materially affects Claims in progress.

19.2  We may update these Terms from time to time. The updated version is indicated by a revised “Last updated” date and is effective when posted. If we make material changes, we may post a prominent notice or contact you directly. Your continued use of the Services after a change takes effect constitutes acceptance; if you do not agree, stop using the Services.

20. Dispute resolution

20.1  Governing law. These Terms, and any Dispute, are governed by the laws of the State of Wyoming, United States, excluding its conflict-of-laws rules. This does not deprive you of any protection given by the laws of your place of residence that cannot be departed from by agreement.

20.2  Informal resolution first. Before starting an arbitration or filing a claim, you and Payre will try in good faith to resolve any dispute, claim or controversy arising out of or relating to these Terms or the Services (a “Dispute”) informally, by written notice to the other (for us, at legal@payre.co), for up to 60 days.

20.3  Mandatory binding arbitration. If a Dispute is not resolved within that period, it will be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (“SIAC”) in accordance with the Arbitration Rules of the SIAC (the “SIAC Rules”) for the time being in force, which are deemed incorporated by reference into this clause. The seat of the arbitration is Singapore, and this arbitration agreement is governed by the law of the seat. The tribunal will consist of a sole arbitrator and the language of the arbitration will be English. Arbitration is on an individual basis only (see clause 20.6), and Payre will seek its fees and costs in the arbitration.

20.4  Arbitration procedures. The arbitration will be conducted by videoconference where possible; if an in-person hearing is required, it will be held in Singapore, or at such other location as the tribunal directs. The tribunal has authority to rule on its own jurisdiction and to resolve any Dispute, including any question about the existence, validity or termination of these Terms or of this arbitration agreement. Settlement-offer amounts will not be disclosed to the tribunal by either party until after the final award, if any. The tribunal may make dispositive or summary rulings on all or part of any Dispute in accordance with the SIAC Rules. Either party may apply to a court of competent jurisdiction, or to an emergency arbitrator under the SIAC Rules, for interim or conservatory relief without waiving this arbitration agreement.

20.5  Exceptions. This clause does not require informal resolution or arbitration of: (a) individual claims that qualify for a small-claims tribunal or court of limited jurisdiction; (b) applications for injunctive or other urgent equitable relief to stop unauthorised use or abuse of the Services, or intellectual-property infringement or misappropriation, which either party may bring in any court of competent jurisdiction; and (c) claims by Payre to recover fees (including success fees) or other amounts owed to, or invoiced by, Payre under these Terms, which Payre may bring against the Creditor and against the Account Holder or User who agreed to these Terms, in the courts (including any small-claims tribunal or court of limited jurisdiction) of the country or state in which that Creditor, Account Holder or User is resident, domiciled or incorporated, or in any other court of competent jurisdiction, and you submit to the jurisdiction of those courts for that purpose.

20.6  Class and jury trial waivers. You and Payre agree that Disputes must be brought on an individual basis only — that is, each party bringing its own claims separately, whether you are a natural person, a business or another entity — and may not be brought as a plaintiff or class member in any purported class, consolidated or representative proceeding. Class arbitrations, class actions and representative actions are not permitted, and only individual relief is available. The validity and enforceability of this waiver will be determined by a court of competent jurisdiction and not by the tribunal; if it is found unenforceable as to a particular claim, that claim will proceed in court while all other claims proceed in arbitration. This does not prevent either party from participating in a class-wide settlement. To the extent any Dispute proceeds in court, you and Payre knowingly and irrevocably waive any right to a trial by jury.

21. General

21.1  These Terms, together with the documents they incorporate (clause 1.3), are the entire agreement between you and us regarding the Services and supersede prior agreements on the same subject.

21.2  If any provision is held unenforceable, it will be modified to the minimum extent necessary or severed, and the rest remains in effect. A failure to enforce a provision is not a waiver of it.

21.3  You may not assign these Terms without our consent. We may assign them to an affiliate or in connection with a merger, acquisition, financing or sale of assets.

21.4  Except as expressly set out in a document you sign with us (such as a Letter of Authority), nothing in these Terms creates a partnership, employment or agency relationship between you and us.

21.5  Neither party is liable for delay or failure caused by events beyond its reasonable control.

21.6  We may give notices by email to your account email address or through the Services; you may give notices to legal@payre.co. You consent to receiving agreements, notices and records electronically, and to the use of electronic signatures (including typed signatures on documents signed through the Services), which have the same effect as ink signatures.

22. Contact us

22.1  For questions about these Terms or the Services, contact Payre, operated by Pay Atlas LLC, at legal@payre.co.