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Terms of Service

Effective date: April 11, 2026  ·  Last updated: April 11, 2026

These Terms of Service (“Terms”) govern your access to and use of PayNudge (“Service”), operated by PayNudge (“we”, “us”, or “our”). By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Description of Service

PayNudge is an automated invoice reminder tool for small businesses. It connects to your existing invoicing or accounting software (such as QuickBooks Online, Square, Jobber, or Stripe), identifies overdue invoices, and sends automated payment reminder messages to your clients on your behalf.

PayNudge is a reminder and communication tool only. We are not a debt collection agency, a payment processor for your clients, or a legal services provider. We do not guarantee that reminders will result in payment.

2. No Guarantee of Payment Recovery

PayNudge automates the sending of polite payment reminders. We make no representation, warranty, or guarantee that:

  • Any client will open, receive, or act upon a reminder
  • Any invoice will be paid as a result of using the Service
  • The timing or frequency of reminders will produce any particular outcome
  • The Service will reduce your average days outstanding or improve your cash flow

Use of the Service does not create any legal claim against your clients on your behalf.

3. Your Responsibilities and Lawful Use

By using PayNudge, you represent and warrant that:

  • You have a legitimate, existing business relationship with each client whose contact information is processed through the Service
  • You have the legal right to contact each client at the email address and/or phone number provided
  • Your use of the Service complies with all applicable laws, including Canada's Anti-Spam Legislation (CASL), the CAN-SPAM Act, GDPR, and any other anti-spam or privacy law applicable in your jurisdiction and your clients' jurisdictions
  • The invoice and client data you sync is accurate and relates to genuine outstanding amounts owed to your business
  • You will not use the Service to harass, threaten, or make false representations to any person
  • You will not use the Service in connection with any unlawful debt collection practices

You are solely responsible for obtaining any necessary consent from your clients to receive automated communications. PayNudge provides technical opt-out mechanisms (email unsubscribe links and SMS STOP handling); however, you remain solely responsible for ensuring your communications comply with applicable messaging laws, including obtaining any required prior consent. PayNudge is not liable for any regulatory penalties arising from your failure to comply with anti-spam or privacy laws.

4. Integration Access

When you connect an integration (QuickBooks Online, Square, Jobber, Stripe), you authorise PayNudge to access your account on that platform for the purpose of reading invoice and customer data to operate the Service. This access is:

  • Limited to the minimum permissions required to identify overdue invoices and obtain client contact information
  • Used solely to operate the Service on your behalf
  • Revocable at any time by disconnecting the integration in your Settings

You remain responsible for complying with the terms of service of any third-party platform you connect to PayNudge.

5. Free Trial

  • New accounts receive a 14-day free trial with full access to all features
  • No credit card is required to start the trial
  • At the end of the trial period, you must subscribe to continue using the Service
  • If you do not subscribe, your account will be downgraded and reminder sending will be paused

6. Billing and Subscription

  • After the free trial, the Service costs $29 USD per month
  • Subscriptions are billed monthly in advance on the anniversary of your subscription start date
  • All fees are in USD unless otherwise stated
  • You authorise us to charge your payment method on file for recurring monthly fees
  • We use Stripe to process payments. Your payment details are stored securely by Stripe and are not stored on PayNudge servers
  • We reserve the right to change pricing with 30 days' notice to your registered email address

7. Cancellation

  • You may cancel your subscription at any time from your account settings or by contacting us
  • Upon cancellation, you will retain access to the Service until the end of your current billing period
  • After the billing period ends, your account will be deactivated and reminder sending will stop
  • Cancellation does not entitle you to a refund of any fees already paid

8. Refunds

All fees are non-refundable except at our sole discretion. If you believe you were charged in error, contact us at hello@paynudge.xyz within 14 days of the charge. We will review your request and respond within 5 business days.

9. Acceptable Use

You agree not to use the Service to:

  • Send spam, unsolicited bulk messages, or communications to people who have not had a genuine business relationship with you
  • Harass, threaten, or intimidate any person
  • Send false or misleading communications
  • Engage in any form of unlawful debt collection
  • Violate any applicable law or regulation
  • Attempt to gain unauthorised access to any system or account
  • Reverse-engineer, copy, or resell the Service
  • Use the Service in any way that could damage, disable, or impair our infrastructure

We reserve the right to suspend or terminate your account immediately if we determine, in our sole discretion, that you have violated this section.

10. Intellectual Property

The Service and all content, features, and functionality are owned by PayNudge and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

You retain ownership of your data (invoices, customer records, business information). By using the Service, you grant us a limited licence to process that data solely to provide the Service to you.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES INCLUDING BUT NOT LIMITED TO:

  • WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
  • ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE
  • ANY WARRANTY THAT REMINDERS WILL BE DELIVERED, OPENED, OR ACTED UPON
  • ANY WARRANTY REGARDING THE ACCURACY OR COMPLETENESS OF SYNCED DATA

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PAYNUDGE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

  • ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
  • LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES
  • DAMAGES ARISING FROM FAILURE OF A CLIENT TO PAY AN INVOICE
  • DAMAGES ARISING FROM SERVICE INTERRUPTIONS OR EMAIL/SMS DELIVERY FAILURES
  • DAMAGES ARISING FROM UNAUTHORISED ACCESS TO YOUR ACCOUNT

IN ANY CASE, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES YOU PAID TO US IN THE THREE MONTHS PRECEDING THE CLAIM, OR (B) $50 USD.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

13. Indemnification

You agree to indemnify, defend, and hold harmless PayNudge and its officers, directors, employees, and agents from any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from: (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any applicable law or third-party rights, or (d) any claim by your clients arising from reminders sent on your behalf.

14. Opt-Out and Unsubscribe

PayNudge includes built-in opt-out mechanisms for your clients:

  • Email: Every automated reminder email includes an unsubscribe link. When a client clicks the link, their email address is immediately opted out and no further email reminders will be sent to them.
  • SMS: Clients who receive SMS reminders may reply “STOP” at any time to opt out of further SMS reminders. This opt-out is processed automatically.

You may also manually opt a client out from within your account settings. Opt-outs are permanent until reversed by you. You are responsible for informing your clients of these opt-out options as required by applicable law.

15. Service Availability

We will make reasonable efforts to maintain the availability of the Service. However, the Service may be temporarily unavailable due to maintenance, infrastructure issues, third-party service outages, or circumstances beyond our control. We do not guarantee any specific uptime. Scheduled maintenance will be communicated where feasible. Downtime does not entitle you to a refund or credit except at our sole discretion.

16. Abuse Monitoring

We monitor the Service for patterns of abuse, including unusually high message volumes, complaints from recipients, and violations of our Acceptable Use policy. We reserve the right to rate-limit, pause, or suspend your account if we detect patterns that suggest misuse, pending investigation. We will notify you by email if your account is suspended for this reason.

17. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, if we believe you have violated these Terms or if we discontinue the Service. Upon termination, your right to use the Service ceases immediately. Sections 10–16 survive termination.

18. Governing Law and Disputes

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any dispute arising from these Terms shall be resolved exclusively in the courts of Ontario, Canada.

If you are located in the European Union, nothing in these Terms affects your rights under mandatory EU consumer protection laws.

19. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email to your registered address and by updating the effective date above. Continued use of the Service after changes are posted constitutes acceptance of the updated Terms.

20. Contact

For questions about these Terms:

PayNudge (operated by Pavneet Singh, Ontario, Canada)
Email: hello@paynudge.xyz

For data processing questions, see our Data Processing Addendum.