Terms of Service

Effective: July 25, 2026

1. Agreement

By using fixpayment.org or our software and related services, you agree to these Terms. If you do not agree, do not use the site or services.

2. What FixPayment is

FixPayment is payment experts with the power of AI, helping creditors resolve disputes and fix payment issues (follow-up, portals, workflows, payment links, plans, settlements, risk scoring, APIs, and audit logs). We are not a law firm and do not provide legal, tax, or investment advice.

FixPayment is payment experts with the power of AI, helping resolve disputes and fix payment issues on the accounts you place with us.

Our team works the accounts you place with us, from first follow-up through plans, settlements, and disputes.

3. Creditor service terms (summary)

If you are a creditor or business customer:

  • Payment experts with the power of AI: Our team helps resolve disputes and fix payment issues on the accounts you place with us. You also get access to the portal, workflows, and audit trail.
  • Scope: The service covers receivables from businesses and from people. Tell us who owes you so we can work the file the right way.
  • What you send us: You are responsible for the accuracy of the account data you provide. Our team handles follow-up, plans, settlements, and disputes on those files.
  • Payments: Customer payments should settle to you (or your payment processor / merchant account). Platform fees (subscription, usage, optional success-based fees) are billed to you separately, not withheld from customer wallets as a money-transmitter model unless expressly agreed.
  • Audit trail: Status changes, disputes, and communications logged in the platform are available for your compliance review.
  • Indemnity: You agree to defend and indemnify FixPayment against claims arising from inaccurate account data you provide or debts you place, except to the extent caused by our willful misconduct.

4. Account information

You agree to provide accurate information. Unauthorized use of another person's identity or account is prohibited.

5. Payments, plans & settlements

Payment plans, settlements, and offers are subject to creditor approval and documented terms. Until confirmed in writing, proposals are not binding commitments. Pricing may include platform subscription / usage fees and, where selected, success-based or hourly options described in your creditor portal.

6. Communications

Where the platform or a creditor contacts you about an account, contact may occur by phone, email, SMS, or mail as permitted by law and any consent you provided. You may submit a cease communication request in writing where applicable. Disputed accounts are paused from automated outreach pending review.

7. Website use

You may not misuse the site, attempt unauthorized access, or interfere with operations. Content is protected by applicable intellectual property laws.

8. Disclaimers & limitation of liability

Services are provided "as is" to the fullest extent permitted by law. We do not warrant that use of the software makes any party “compliant” with any particular statute. Our liability is limited to the maximum extent permitted by applicable law.

9. Governing law

These Terms are governed by the laws applicable where FixPayment principally operates, without regard to conflict-of-law rules, except where mandatory consumer or commercial protections require otherwise.

10. Contact

Questions: support@fixpayment.org · Contact page · Privacy Policy