Terms of Service

1. What Casey does

Casey is an accounts-receivable assistant. Depending on what you turn on, it can:

• create and send invoices with a link your clients can pay through;
• follow up on unpaid invoices by email, text message (SMS/MMS), WhatsApp and automated phone calls, in your business's name;
• read and answer your clients' replies within limits you set, and bring the rest to you;
• let clients pay online, schedule a payment for a later date, or set up a payment plan you allow;
• keep books from your connected bank and card accounts, invoices and payments, and prepare reports for your accountant ("Books");
• refer seriously past-due invoices to our collections team when you choose.

Casey uses artificial intelligence ("AI") for some of these tasks. See section 6.

2. Your account and team

You're responsible for your account, for keeping sign-in details secure, and for everything done under it, including by team members you invite. Roles (owner, admin, accountant, viewer) control what each person can do; the owner can change them at any time.

Tell us right away at [legal@yourdomain.com] if you think your account has been used without permission.

3. Messages and calls to your clients

Casey contacts your clients on your behalf and in your name. You are the sender of those messages and calls, and you are responsible for them. In particular, you represent and agree that:

• each invoice and amount you ask Casey to collect is accurate and legally owed;
• you have the right, and every consent the law requires, to contact each client at the email addresses and phone numbers you provide, by each channel you enable (including consent for automated or AI-voice calls and text messages under the Telephone Consumer Protection Act and similar laws);
• you will not ask Casey to contact anyone who has asked not to be contacted, and you will tell us (or record it in Casey) when someone does;
• if any of your clients are individuals rather than businesses, collecting from them may be subject to additional consumer-protection laws, and you are responsible for complying with them.

Casey honors opt-outs it receives (for example, a client replying STOP to a text, or asking not to be called), avoids quiet hours you set, discloses at the start of every call that it is an automated assistant and that the call is transcribed, and never threatens clients or misstates the law. You can pause Casey on any invoice or client at any time.

4. Online payments

Online payments are processed by Stripe through an account in your business's name (Stripe Connect). By connecting Stripe you also agree to the Stripe Connected Account Agreement (stripe.com/connect-account/legal). Casey is not a bank, money transmitter or payment processor and never holds your funds; payments go to your Stripe account and are paid out by Stripe.

You are responsible for refunds, disputes and chargebacks on payments made to you, and for any Stripe fees, which Stripe charges to your account.

5. Fees

Casey's current prices are shown in the app (Settings › Billing) and during sign-up. Unless we agree otherwise in writing:

• invoices paid on time are free;
• a flat fee applies once to each invoice Casey has to chase (follow up on after the due date and grace period), however many reminders or calls it takes. An invoice you void or that is successfully disputed within 7 days of that first follow-up isn't charged;
• on payments clients make online through Casey, Casey's platform fee (shown in the app, currently 0.6% of the payment, capped at $5 for bank transfers) is deducted from each payment in addition to Stripe's own fees;
• for invoices you send to collections, a contingency fee (currently 20%) applies to amounts recovered, deducted from what's recovered. Nothing is owed if nothing is recovered.

Chase fees are charged once a month, on or after the 1st, to the payment method you keep on file, for the invoices chased in the month before. Casey won't chase invoices until a payment method is on file. If a charge fails, we'll let you know and may pause chasing until it's resolved. Fees are in U.S. dollars, exclude taxes (which you pay where they apply), and are non-refundable except where these Terms or the law say otherwise. We may change prices with at least 30 days' notice; changes apply from your next billing period.

6. AI features

Casey uses AI models from third-party providers to draft and send messages, read replies, hold phone conversations, transcribe voice, categorize transactions and answer your questions. AI can make mistakes. Casey acts on its own only within the limits you set (for example, the largest payment plan it may agree to), and brings disputes, discount requests and anything unclear to you. You are responsible for reviewing what Casey does on your behalf and for the settings you choose.

Casey never claims to be a human, never accepts card or bank numbers by voice, and never offers discounts or settlements you haven't approved.

7. Collections

When you send an invoice to collections (or turn on automatic referral), you authorize our collections team to contact the client and collect the invoice on your behalf, as your agent, under applicable collection laws and any required licenses. You confirm the debt is valid and that you will tell us promptly about any payment, dispute, bankruptcy or settlement you learn of. You may withdraw a case at any time; fees on amounts already recovered remain due. We may decline or return any case.

8. Books and bank connections

Bank and card connections are provided through Plaid. By connecting an account you authorize Casey and Plaid to retrieve your account information, as described in Plaid's End User Privacy Policy. Casey can only read balances and transactions; it can never move money from your accounts.

Books, reports and tax figures (including estimated taxes and 1099 information) are prepared automatically to help you and your accountant. They are not accounting, tax or legal advice, may contain errors, and should be reviewed by a qualified professional before you rely on them or file anything.

9. Learning across Casey

To reach clients at the right time and on the right channel, Casey learns how each client responds (for example, the hours they usually act and whether they answer texts or emails). If you keep "Learn from Casey's network" on (Settings › Follow-up rules), these response patterns, stored under one-way hashed identifiers, are shared with and used for other businesses on Casey that bill the same client. Only patterns are shared: never names, contact details, amounts, invoices or which business saw what. You can turn this off at any time.

9A. Casey's payment network (optional)

If you join Casey's payment network, you also agree to the Payment Network Terms (Payment Network Terms). In short: you share how your business clients pay you, you see payment scores for business clients other members have billed, and you use those scores only for your own business decisions about those clients. You can leave at any time.

10. Your data

You keep all rights to the data you and your clients put into Casey ("Your Data"). You give us permission to host, process, transmit and display Your Data as needed to provide, secure and improve the Service, and as described in our Privacy Policy. We may use de-identified and aggregated data (which doesn't identify you or any person) to operate and improve the Service.

You are responsible for having the right to give us Your Data, including your clients' information. Where we process personal information about your clients, we do so on your behalf and following your instructions, as described in the Privacy Policy.

11. Other services you connect

Casey works with services such as Stripe, Plaid, QuickBooks, Gmail, Slack, Twilio and WhatsApp. Your use of them is governed by their own terms. We aren't responsible for them, and a change on their side may change what Casey can do.

12. Acceptable use

You agree not to use Casey to: collect amounts that aren't owed; harass, threaten or deceive anyone; send messages to people who haven't consented or have opted out; break any law (including debt-collection, telemarketing, anti-spam and privacy laws); upload malicious code; access accounts or data that aren't yours; probe or overload our systems; or copy, resell or reverse-engineer the Service. We may suspend activity that we reasonably believe breaks these rules, puts people at risk or exposes us to liability.

13. Our property

Casey, including its software, design and content, belongs to us and our licensors. These Terms give you a limited, non-exclusive, non-transferable right to use the Service for your business while your account is active. If you send us feedback, we may use it without obligation to you.

14. Ending your use

You can stop using Casey and close your account at any time. We may suspend or end your access if you break these Terms, don't pay amounts due, or if required by law, with notice where reasonable. After closing, you can ask for an export of Your Data for 30 days; we then delete it as described in the Privacy Policy, except where we must keep it by law. Fees already incurred remain due.

15. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". TO THE FULLEST EXTENT ALLOWED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE DON'T GUARANTEE THAT ANY INVOICE WILL BE PAID, THAT MESSAGES WILL BE DELIVERED, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

16. Limitation of liability

TO THE FULLEST EXTENT ALLOWED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR LOST PROFITS OR REVENUE, AND OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE FEES YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. THESE LIMITS DON'T APPLY TO YOUR PAYMENT OBLIGATIONS OR YOUR INDEMNITY BELOW.

17. Indemnity

You will defend and indemnify us against claims, fines and costs (including reasonable legal fees) arising from Your Data, the invoices you ask us to collect, your instructions, your lack of any required consent from your clients, or your breach of these Terms or the law.

18. General

These Terms are governed by the laws of [State], without regard to conflict-of-law rules, and disputes will be resolved in the state or federal courts located in [County, State], unless the law where you are located requires otherwise. We may update these Terms; if a change is material, we'll tell you in the app or by email at least 30 days before it takes effect, and continued use after that means you accept it. If any part of these Terms is unenforceable, the rest stays in effect. You may not assign these Terms without our consent; we may assign them in a merger, acquisition or sale of assets. These Terms, the Privacy Policy and any order or addendum we sign are the entire agreement between us.

Questions: [Casey, Inc.], [street address, city, state, ZIP], [legal@yourdomain.com].