Terms of Service
Not legal advice. A lawyer will review this text before it is considered final.
Last updated: Thu 29 Oct 2026
These terms are an agreement between Collecxo ("Collecxo", "we"; the legal entity is the one named in your pilot or order agreement), and the business that creates a Collecxo account ("you", the "client"). By creating an account or connecting a mailbox, you accept them on behalf of your business.
1. The service
Collecxo sends payment reminders on your behalf to the people who owe you money ("investors"), from your own mailbox, reads their replies, and suggests answers. We only handle communication. We do not collect money, hold funds, buy debts or act as a collection agency.
2. Your account
You are responsible for your sign-in details and for the people you invite. Tell us at once at support@collecxo.com if you think someone has accessed your account without permission.
3. Your data and your responsibilities
You confirm that:
- you have the right to upload your investors' data and to contact them about what they owe;
- the amounts, dates and contact details you upload are correct and kept up to date;
- you follow the laws that apply to your collections and to messages you send, in every country where your investors are.
You decide what data is collected and why. Collecxo processes it only to run the service for you, as described in our Privacy Policy. You own your data.
4. Reminders, replies and AI suggestions
You set the rules, templates and send times. Reminders go out in your name. Our AI sorts replies and drafts suggested answers; a person on your side reviews and approves each answer before it is sent. AI output can be wrong: check it before you approve. You are responsible for the messages sent from your account.
If an investor asks to stop reminders, Collecxo stops automatic reminders to that person. This does not cancel what they owe.
When an investor sends a proof of payment, Collecxo reads it and shows you what it says next to your records. It never marks an installment as paid by itself: a person at your company decides. AI reading can be wrong, so check the document before you decide.
5. Mailbox connections
When you connect Gmail or Microsoft 365, you allow Collecxo to send from that mailbox and to read the replies and messages described in our Privacy Policy. You can disconnect at any time in Settings > Mailbox, or remove our access in your Google or Microsoft account. Google user data is handled under the Google API Services User Data Policy, including the Limited Use requirements.
6. Acceptable use
Do not use Collecxo to send spam, threats, harassment, false or misleading claims, or messages to people who do not owe you money; to send illegal content; or to try to access other clients' data or attack the service. We may pause sending or suspend an account if we see misuse, and we will tell you why.
7. Pilot and fees
During a pilot the service may change and may be free. Paid plans, prices and payment terms are agreed with you in writing.
8. No guarantee of payment
We do not promise that any investor will pay, or pay on time.
9. Availability and changes
We work to keep the service running but do not promise it will be uninterrupted. We may change or improve features. We will tell you in advance about changes that reduce what the service does for you.
10. Ending the service
You can close your account at any time in Settings > Company. We can end the service with 30 days' notice, or at once for serious misuse. When an account is closed, mailbox access is removed at once and your data is deleted within 30 days, as described in our Privacy Policy. Before closing, you can ask us for an export at privacy@collecxo.com.
11. Liability
The service is provided "as is". To the extent the law allows, we are not liable for indirect or consequential losses, lost profits or unpaid debts, and our total liability is limited to the fees you paid us in the 12 months before the claim. Nothing here limits liability that cannot be limited by law.
12. Your responsibility to us
You will cover our reasonable costs if a claim is made against us because of data you uploaded without the right to do so, or messages sent from your account in breach of these terms or the law.
13. Governing law
These terms are governed by the laws of the Province of Quebec and the federal laws of Canada that apply there. Disputes go to the courts of the judicial district of Montreal, Quebec, unless the law requires otherwise.
14. Changes to these terms
We will post changes here and update the date at the top. We will tell clients by email about important changes at least 30 days before they apply.
15. Contact
Questions about these terms: hello@collecxo.com. Privacy: privacy@collecxo.com. Support: support@collecxo.com.