Terms of Service

Last updated: April 14, 2026

1. Acceptance of terms

By accessing the AIDebtCollection.Net platform (hereinafter "the Platform"), operated by Clemento (16390544 Canada Inc.), you agree to be bound by these terms of use. If you do not accept these terms, please do not use the Platform.

2. Description of the service

AIDebtCollection.Net is an automated collections platform that enables businesses to:

  • Manage and track their unpaid receivables.
  • Send automated email and SMS reminders.
  • Accept online payments through our platform.
  • Synchronize their accounting data with QuickBooks Online.
  • Generate audit reports of their receivables.
  • Calculate late interest automatically.
  • Track interactions with debtors.
  • Propose and track payment arrangements.

Important: AIDebtCollection.Net is a technology productivity tool. Clemento does not provide any legal advice. Document templates (formal demands, payment agreements, etc.) are provided for informational purposes only. It is the User's responsibility to verify the compliance of these documents with local laws before sending them.

Electronic signatures: By using the Platform to generate payment agreements, the parties consent to the use of electronic signatures in accordance with the Act to establish a legal framework for information technology (LCCJTI) and the Personal Information Protection and Electronic Documents Act (PIPEDA) in Canada, as well as the ESIGN Act and the UETA in the United States.

3. Registration and account

You must provide accurate and complete information when registering. You are responsible for the confidentiality of your login credentials and all activity performed under your account.

4. Fees and payments

  • Platform fees: a fee of 4.4% is charged on each requested payout, unless your account has an exemption.
  • Service fees: certain services (e.g. SMS reminders) incur additional fees billed based on usage.
  • Stripe payments: debtor payments are processed by Stripe. Stripe processing fees may apply.

Collection mandate: By using the payment service, the User mandates Clemento (via Stripe) to collect amounts owed by debtors on their behalf. Funds are temporarily held by the payment processor before being transferred to the User, net of applicable fees.

5. Third-party integrations

The Platform offers integrations with third-party services, including:

  • QuickBooks Online: you may connect your QuickBooks account to automatically synchronize payments and fees. You authorize the Platform to access your QuickBooks data as needed to provide the service. You may revoke this access at any time.
  • Stripe: used for secure credit card payment processing.

6. User responsibilities

  • You are responsible for the legality and accuracy of the receivables you submit.
  • You agree not to use the Platform for fraudulent, abusive, or illegal purposes.
  • You must comply with applicable debt collection laws in your jurisdiction.
  • The User is solely responsible for complying with the frequency and timing of reminders (SMS/Emails) in accordance with the laws of the debtor's jurisdiction. Clemento disclaims any liability for penalties arising from collection practices deemed abusive or non-compliant by the relevant authorities.

U.S. Compliance: For users operating in the United States, you agree to comply with the Fair Debt Collection Practices Act (FDCPA) and applicable state laws. You acknowledge that the Platform does not act as a third-party debt collector (as defined by the FDCPA) but as a communication tool for the original creditor.

7. Limitation of liability and indemnification

The Platform is provided "as is." Clemento does not guarantee: (i) the success of any collection effort, (ii) the absence of errors in AI-generated documents, or (iii) the universal legal validity of the templates provided.

In no event shall Clemento be liable for indirect, incidental, or consequential damages arising from use of the Platform.

Indemnification: The User agrees to indemnify and hold harmless Clemento, its officers, employees, and partners, against any claims, damages, losses, or fines arising from (a) illegal or non-compliant use of the Platform, (b) submission of fraudulent or inaccurate receivables, or (c) failure to comply with applicable debt collection laws.

8. Intellectual property

All Platform content (code, design, text, logos) is owned by Clemento and protected by applicable intellectual property laws.

9. Termination

We reserve the right to suspend or close your account for breach of these terms, without notice. You may close your account at any time by contacting us.

10. Changes to terms

Clemento reserves the right to modify these terms at any time. In the event of a substantial change (fees, responsibilities, data usage), we will notify the User by email or via a notification on the Platform at least thirty (30) days before the change takes effect.

Continued use of the Platform after the effective date of any changes constitutes your acceptance of the new terms. If you do not accept the changes, your sole remedy is to stop using the services and close your account.

11. Governing law

These terms are governed by the laws of the Province of Quebec, Canada. Any dispute shall be subject to the exclusive jurisdiction of the courts of Quebec.

Arbitration (United States): For users residing in the United States, any dispute arising from these terms may, at Clemento's election, be resolved by binding arbitration administered in accordance with the rules of the American Arbitration Association (AAA), rather than in court. The User waives the right to participate in any class action lawsuit against Clemento.

12. Contact

For questions about these terms, contact us at: support@clemento.ca