Last updated: February 2026

Terms of Service

Important: This policy was last reviewed in February 2026. We recommend seeking independent legal advice for your specific situation.

1. Acceptance of terms

By accessing or using NotPaidYet ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service.

These Terms constitute a legally binding agreement between you (either as an individual or on behalf of an entity) and NotPaidYet Ltd ("we", "us", "our").

2. Service description

NotPaidYet is an automated invoice chasing service designed for UK businesses. The Service sends professionally-worded payment reminder emails on your behalf following a structured escalation sequence.

Important limitations:

• NotPaidYet is a software tool, not a legal service. We do not provide legal advice.
• We are not a debt collection agency and do not take over legal ownership of debts.
• We send reminder emails on your behalf, but we cannot guarantee payment or successful debt recovery.

3. Eligibility

You may only use the Service if:

• You are a UK-based business (sole trader, partnership, or limited company)
• You are at least 18 years old
• You are chasing business-to-business (B2B) debts only — consumer debts are strictly prohibited
• You have the legal right to pursue the debts you upload to the Service

B2B only: UK consumer protection laws prohibit aggressive debt collection practices against individuals. NotPaidYet is designed exclusively for commercial debts between businesses.

4. Account responsibilities

You are responsible for:

• Maintaining the confidentiality of your account login credentials
• All activity that occurs under your account
• Ensuring all information you provide is accurate and up to date
• Notifying us immediately if you suspect unauthorised access to your account

5. Subscription and billing

Free trial: New accounts receive a 7-day free trial on selected plans. No credit card is required to start your trial. After the trial period, your account will downgrade to the Free plan (5 invoices) unless you subscribe to a paid plan.

Paid plans: We offer three subscription tiers:

• Starter: £29/month (up to 25 overdue invoices)
• Pro: £49/month (up to 100 overdue invoices)
• Business: £79/month (unlimited overdue invoices)

Payment terms:

• All payments are processed securely through Stripe
• Subscriptions renew automatically each month unless cancelled
• You can upgrade or downgrade your plan at any time from your billing settings
• Cancellation takes effect at the end of your current billing period
• We offer a 14-day refund policy for all payments

6. Acceptable use

You agree not to use the Service for:

• Harassing or threatening communications: The Service is for professional payment reminders only
• Illegal debts: Chasing debts related to illegal activities or fraudulent transactions
• Consumer debts: Chasing individuals for personal debts (B2B only)
• Spam or bulk emailing: Sending unsolicited emails unrelated to legitimate debt recovery
• Impersonation: Pretending to be someone else or misrepresenting your identity
• System abuse: Attempting to disrupt, damage, or gain unauthorised access to our systems

Violation of acceptable use may result in immediate suspension or termination of your account without refund.

7. Intellectual property

NotPaidYet owns the platform: All rights, title, and interest in the Service, including software, design, trademarks, and content, belong to NotPaidYet Ltd.

You own your data: You retain all rights to the invoice data, client information, and content you upload to the Service. We do not claim ownership of your data.

By using the Service, you grant us a limited licence to process and transmit your data as necessary to provide the Service (e.g., sending emails on your behalf).

8. Limitation of liability

To the maximum extent permitted by UK law, NotPaidYet Ltd is not liable for:

• Failed debt recovery: We cannot guarantee that your clients will pay after receiving reminders
• Email deliverability: While we use industry-standard email infrastructure (Resend), we cannot guarantee all emails will reach their destination
• Stripe payment issues: Payment link failures, disputes, or chargebacks are handled by Stripe under their terms
• Third-party actions: We are not responsible for the actions of your clients, email providers, or other third parties
• Indirect or consequential losses: Including lost revenue, lost profits, or business interruption

Our total liability to you for any claims arising from your use of the Service is limited to the amount you paid us in the 12 months prior to the claim.

9. Disclaimer

We are not a law firm: NotPaidYet does not provide legal advice. The Letter Before Action templates and reminder content are for informational purposes only.

Seek professional advice: If you are considering legal action or need advice on debt recovery, consult a qualified solicitor familiar with UK commercial law.

Service provided "as is": While we strive for reliability, we make no warranties that the Service will be uninterrupted, error-free, or meet all your requirements.

10. Termination

You can cancel at any time: Access your billing settings and click "Cancel subscription". Cancellation takes effect at the end of your current billing period.

We can suspend or terminate your account if:

• You violate these Terms of Service
• You use the Service for prohibited purposes (consumer debts, harassment, illegal activity)
• Your payment method fails and you do not update it within 14 days
• We are required to do so by law or court order

Upon termination, your access to the Service will cease. Data retention follows our Privacy Policy (invoice records retained for 6 years for tax compliance, other data deleted within 30 days unless legally required).

11. Governing law

These Terms are governed by the laws of England and Wales. Any disputes arising from these Terms or your use of the Service will be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Changes to Terms

We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top of this page.

If we make material changes, we will notify you via email or through a prominent notice in the Service at least 30 days before the changes take effect.

Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

13. Contact information

If you have questions about these Terms, please contact us:
Email: support@notpaidyet.com
NotPaidYet Ltd, United Kingdom

Disclaimer: This policy was last reviewed in February 2026. We recommend seeking independent legal advice.