Terms of Service

Last updated: July 16, 2026 · Static HTML for carrier / A2P review

1. Agreement

These Terms of Service (“Terms”) govern your access to and use of PayRisk AI (the “Service”). By creating an account or using the Service, you agree to these Terms.

2. Description of the Service

PayRisk AI is a software business and direct SaaS offering at https://payriskai.com. The Service provides tools for businesses to track customers, amounts owed, and due dates, and to trigger transactional email and SMS account notifications (invoice and balance reminders, due-date notices, overdue notices, and payment follow-ups).

3. Accounts and security

• You must provide accurate registration information and keep it up to date.
• You are responsible for maintaining the confidentiality of your credentials and for activity under your account.
• Notify us at info@payriskai.com if you suspect unauthorized access.

4. SMS program (Account Notifications)

PayRisk AI sends transactional SMS account notifications to end customers who have opted in. Messages identify PayRisk AI and may include the merchant business name. Messages are not marketing or promotional.

• Merchants must obtain and maintain required consents before any SMS is sent, and must confirm consent in PayRisk AI.
• Messages must not be deceptive or misleading.
• Opt-out requests via STOP (and related keywords where supported) must be honored.
• Help is available via HELP or info@payriskai.com.

Program disclosures: Message frequency varies. Message and data rates may apply. Privacy Policy: https://payriskai.com/privacy.html. Opt-in / Call to Action: https://payriskai.com/sms-opt-in.html.

Carrier delivery is not guaranteed. Merchants remain responsible for lawful use of messaging features.

5. Email

Email sent through the Service must comply with applicable anti-spam laws, including accurate headers and lawful consent where required.

6. Acceptable use

You agree not to use the Service for unlawful, harassing, fraudulent, or harmful purposes; send prohibited content; or attempt unauthorized access to the Service or other accounts.

7. Fees and billing

Paid plans and payment processing are handled as presented at checkout. Failure to pay may result in suspension or termination of access.

8. Intellectual property

We own the Service and related intellectual property. You retain ownership of your business data and grant us a license to host and process it as needed to provide the Service.

9. Disclaimers and limitation of liability

The Service is provided “as is” and “as available,” without warranties of any kind to the maximum extent permitted by law. To the maximum extent permitted by law, our aggregate liability for claims relating to the Service will not exceed the amounts you paid us for the Service in the twelve (12) months before the claim (or USD $100 if no fees applied).

10. Indemnity

You will defend and indemnify us against claims arising from your use of the Service, your customer data, your messages, or your violation of these Terms or applicable law.

11. Suspension and termination

We may suspend or terminate access for material breach, security or legal risk, or as required by law. You may stop using the Service at any time.

12. Changes

We may modify these Terms. We will post the updated Terms on this page and update the “Last updated” date. Continued use after changes become effective constitutes acceptance unless applicable law requires otherwise.

13. Contact

Questions: info@payriskai.com

Related: Privacy Policy · SMS Opt-In