PaySpotter LLC, Greensburg, PA. Version 2026-09-18, last updated 14 September 2026.
In short: we chase your unpaid business invoices by email from your own mailbox, as your agent and under your name. You stay responsible for whether the invoice is genuinely owed. We never take money, never chase consumers, and you can stop us instantly. Sections 15, 16 and 17 set out what we do and don’t owe you if something goes wrong, and section 20 says how a dispute gets resolved — please read those.
These terms are a contract between PaySpotter LLC, a Pennsylvania limited liability company (“PaySpotter LLC”, “we”, “us”), and the business that uses PaySpotter (“you”). They take effect when you first connect an account or otherwise use the service, whichever happens first.
Three documents make up the whole agreement between us: these terms, our privacy policy, and the authorisation you sign by name when you set up your account. Read together they are the entire agreement, and they replace anything said before them. Where the signed authorisation and these terms conflict on a point about your specific account, the signed authorisation governs.
Service means PaySpotter, including the website, the application, and the chasing we perform for you. Accounting system means the bookkeeping software you connect, currently QuickBooks Online. Mailbox means the email account you connect for sending. Client means a business that owes you money on an invoice. Invoice data means the information we read from your accounting system, listed in the privacy policy.
The Service is for businesses. To use it you must be at least 18, be acting for a business or other organisation rather than for personal purposes, and be authorised to bind that organisation to this agreement and to authorise us to contact its clients. If you are not authorised, do not connect an account.
The Service is offered in the United States. We do not currently offer it elsewhere and make no claim that it complies with the laws of any other country.
We read your unpaid invoices from your connected accounting system. For those that are overdue, we send reminder emails to the client named on the invoice, from your connected mailbox, in your name. Replies are directed to us. We answer the ordinary ones, bring you anything that is genuinely your decision, and stop chasing an invoice as soon as it is paid, disputed, or you tell us to stop. On the Plus plan a person also telephones a client at approximately the three-week mark.
We check your books again immediately before anything is sent, so an invoice paid since the last sync is not chased.
Sign-in is by one-time link sent to the email address on your account. There is no password. You are responsible for the security of that email address and for everything done through your account. Tell us at ben@payspotter.com immediately if you believe someone else has access to it.
You appoint us as your agent for the limited purpose of seeking payment of your outstanding invoices. That authority covers, and is limited to:
It covers nothing else. We are your agent for this purpose only, and this agreement does not create a partnership, joint venture, franchise or employment relationship between us.
You may narrow that authority at any time — for a single invoice, a single client, or altogether — and we will act on it immediately.
You may use the Service only for invoices owed by a business or other organisation in the course of its business. You may not use it for any debt owed by an individual consumer for personal, family or household purposes.
This is a firm limit, not a preference. Consumer debt collection is regulated far more heavily than commercial invoicing — under the federal Fair Debt Collection Practices Act and its state equivalents — and the Service is neither built nor licensed for it. If consumer debts are placed into the Service we may remove them and stop chasing them without notice, and we may suspend or close your account.
You may also not use the Service for any invoice that is disputed, that is subject to a bankruptcy proceeding or an instruction from an attorney to direct communications elsewhere, or that you know or suspect is not properly owed.
We act on what your accounting system says at the moment we read it. Where an invoice was wrong, already settled, disputed, or should never have been chased, and you had not told us, the consequences of that chase are yours rather than ours.
Each time an invoice is chased on your behalf, you represent to us that the statements in section 8 are true of that invoice. You also represent that your use of the Service complies with applicable law, including laws governing commercial collections, electronic communications, and — where a call is made on your behalf — telephone communications.
We will not, at any time:
We are not a debt collection agency, a collection attorney, a factor, a lender, or a money transmitter, and we do not hold ourselves out as any of them.
You may not use the Service to send anything unlawful, harassing, deceptive or defamatory; to send bulk email unrelated to an invoice you are owed; to attempt to gain access to another customer’s data; to probe, scan or interfere with the Service or the systems it runs on; to reverse engineer it except to the extent that restriction is unenforceable by law; or to resell or provide the Service to a third party as your own.
We may suspend the Service immediately, without notice, where we reasonably believe this section or section 7 has been breached, where continuing would expose us or a third party to legal risk, or where a security problem requires it. We will tell you why as soon as we reasonably can, and restore the Service once the cause is resolved.
The Service works by connecting to systems we do not control — currently Intuit (QuickBooks Online) and Google (Gmail), and the providers listed in our privacy policy. Your use of those systems is governed by your own agreements with those companies, not by this one. We are not responsible for their availability, their changes to their own terms or interfaces, or their decisions about your account with them. If one of them withdraws access, the corresponding part of the Service will stop working, and your remedy is to stop paying under section 14.
A flat monthly fee at the rate for your plan, as published on our pricing page and confirmed to you in writing when you sign up. We do not charge a percentage of what you recover, and there is no setup fee, contract term or minimum commitment.
The waiver. In any monthly billing period in which no invoice we were chasing for you is paid, that period’s fee is waived in full. For this purpose an invoice counts as paid if it was overdue at the time we began chasing it and has since been settled, as recorded in your accounting system. It does not matter whether the payment can be attributed to a reminder. Where your accounting system does not record a payment, we cannot count it; tell us and we will apply the waiver.
When you are billed. Each monthly charge is raised at the start of a billing period and reflects the period that has just ended, so that the waiver can be applied to a month that has actually happened. In practice this means your first month is free, and every charge after it is for the month before it. Nothing is charged when you sign up.
Fees are stated exclusive of any applicable sales or use tax, and are non-refundable except where the waiver applies or where we have charged you in error. You may change plans at any time, taking effect from the next billing period. We will give you at least 30 days’ notice by email before any change to your rate, and you may end the agreement before it takes effect.
If a payment fails we will tell you and may suspend the Service after 10 days without payment. We do not charge interest on late fees.
This agreement runs from when you first use the Service until either of us ends it. You may end it at any time, for any reason, with no notice period and no penalty — by telling us in writing, by disconnecting inside the app, or by withdrawing our access from your QuickBooks or Google account settings, which takes effect at once. Chasing stops immediately; you are not billed for any period after the one in which you ended it.
We may end it on 30 days’ written notice, or immediately where you have breached sections 7, 11 or 13, or where we stop offering the Service. On termination your authority under section 6 ends, we stop chasing, and your data is handled as described in the privacy policy.
Sections 8, 9, 13 (for amounts already due), 15 through 21, and 23 survive termination.
We provide the Service with reasonable care and skill. Beyond that, and to the fullest extent permitted by law, the Service is provided as is and as available, and we disclaim all other warranties, whether express, implied or statutory, including any implied warranty of merchantability, fitness for a particular purpose, title, and non-infringement.
In particular, we do not warrant that:
Nothing we provide is legal, accounting or tax advice. We are not your attorney.
To the fullest extent permitted by law, neither of us is liable to the other for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost revenue, lost business, lost goodwill, or loss of data, however caused and whether or not the possibility was known.
To the fullest extent permitted by law, our total aggregate liability arising out of or relating to this agreement or the Service, whether in contract, tort (including negligence), statute or otherwise, will not exceed the greater of (a) the fees you actually paid us in the three months immediately before the event giving rise to the claim, and (b) one hundred US dollars.
These limits do not apply to liability that cannot lawfully be excluded or limited, to your obligation to pay fees, to either party’s indemnity obligations under section 17, or to fraud or wilful misconduct.
Some jurisdictions do not allow certain exclusions or limitations, in which case the ones above apply to the greatest extent they are permitted.
You will defend, indemnify and hold harmless PaySpotter LLC and its members, officers, employees and contractors from any third-party claim, and any loss, liability, damage, penalty, cost or reasonable attorneys’ fee arising out of it, to the extent it arises from:
We will defend, indemnify and hold you harmless from any third-party claim that the Service as provided by us infringes that party’s intellectual property rights.
In either case the party seeking indemnity must notify the other promptly, allow the other to control the defence, and give reasonable cooperation. Neither may settle a claim in a way that admits fault on the other’s behalf, or imposes an obligation on them, without their written consent.
We own the Service, including the software, the website, the message templates and the PaySpotter name and marks. You are granted a non-exclusive, non-transferable right to use the Service during the term, and nothing else.
You own your data and your clients’ data. You grant us only the licence needed to operate the Service for you: to read, store, process and transmit that data for the purposes described in this agreement and the privacy policy. We do not use it to train models, and we do not use it for any purpose other than providing the Service to you.
We may use aggregated, de-identified statistics about how the Service performs — numbers that cannot identify you, your clients, or any invoice — to improve it.
If you send us feedback or suggestions, we may use them without obligation or payment. We will not identify you as the source without your permission.
Each of us may learn non-public information about the other. Each will use the other’s confidential information only to perform this agreement, protect it with at least reasonable care, and not disclose it except to people who need it and are under similar obligations. This does not apply to information that is public through no fault of the receiver, was already known, is independently developed, or must be disclosed by law — and in that last case the receiver will give notice first where it is lawful to do so.
Talk to us first. If something goes wrong, email ben@payspotter.com with a description of the problem and what you want done about it. Neither of us will start a formal proceeding until 30 days after that notice, and we will use those 30 days to try to resolve it properly. This step is a condition of starting anything formal.
Then arbitration. If it is not resolved, any dispute arising out of or relating to this agreement or the Service will be settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, seated in Westmoreland County, Pennsylvania, or by videoconference at the claimant’s election. Judgment on the award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs this section.
On your own behalf only. Each of us may bring claims only individually, and not as a plaintiff or class member in any class, collective, consolidated or representative proceeding. The arbitrator may not consolidate more than one person’s claims. If this paragraph is found unenforceable as to a particular claim, that claim — and only that claim — will be heard in court rather than in arbitration.
Exceptions. Either of us may bring an individual claim in small claims court, and either of us may ask a court for an injunction to protect intellectual property or confidential information, without first arbitrating.
You can opt out. You may reject this arbitration section by emailing ben@payspotter.com with the words “opt out of arbitration” and your account name within 30 days of first accepting these terms. Opting out affects nothing else in this agreement, and we will not treat you differently for it.
This agreement is governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict-of-laws rules. Where a dispute is heard in court rather than in arbitration, both of us submit to the exclusive jurisdiction of the state and federal courts sitting in Westmoreland County, Pennsylvania, and in the Western District of Pennsylvania.
We may update these terms. The version number and date at the top change when we do. For anything material — a change to fees, to what we are authorised to do, to liability, or to section 20 — we will email account holders at least 30 days before it takes effect, and you may end the agreement before then rather than accept it. Continuing to use the Service after that date means you accept the new version. Changes do not apply retroactively to a dispute already notified under section 20.
Notices to you go to the email address on your account; notices to us go to ben@payspotter.com, or by mail to the address below. Email notice is effective when sent, absent a bounce.
Assignment. You may not assign this agreement without our written consent. We may assign it to a successor in a merger, acquisition or sale of substantially all our assets, on notice to you.
Force majeure. Neither of us is liable for a failure to perform caused by something genuinely outside our reasonable control, other than an obligation to pay money.
Severability and waiver. If any provision is held unenforceable, it is modified to the minimum extent needed to be enforceable, or severed, and the rest stands. A failure to enforce a provision is not a waiver of it.
No third-party beneficiaries. This agreement is between us and you. Your clients are not parties to it and acquire no rights under it.
Independent contractors. Except for the limited agency in section 6, we are independent contractors.
PaySpotter LLC
1606 Keats Drive
Greensburg, PA 15601
United States
ben@payspotter.com