OwedWell Terms of Service

1.Definitions

“OwedWell,” “we,” “us,” or “our” means Kewl Web Design, doing business as OwedWell. “Organization” means the business customer receiving the Service. “Authorized User” means a person permitted by an Organization to use the Service. “Customer Data” means information submitted to or processed through the Service on an Organization’s behalf. “Service” means the OwedWell software and related services.

2.The Service

OwedWell provides software designed to help contractors and other businesses organize and manage accounts receivable. Features may include:

• Receivable import and organization
• Recovery queues and workflow scheduling
• AI-assisted communication drafting and response classification
• Tasks, reminders, and payment-link management
• Recovery reporting
• Administrative and organizational controls

Features may change as the product develops.

3.Business Use

The Service is intended primarily for business use. Each Organization is responsible for ensuring Authorized Users are authorized, maintaining accurate information, selecting appropriate receivables, reviewing communications and recommendations, and complying with its contracts and applicable law.

4.Accounts and Security

Authorized Users must provide accurate account information, maintain control of approved authentication methods, protect account access, and promptly notify OwedWell of suspected unauthorized access. Organizations are responsible for their Authorized Users. OwedWell may require enhanced authentication for privileged accounts.

5.Customer Data

As between OwedWell and the Organization, the Organization retains its rights in Customer Data. The Organization grants OwedWell a limited right to host, copy, transmit, process, and otherwise use Customer Data as reasonably necessary to provide, secure, support, and improve the Service; perform configured AI-assisted functions; and comply with law. The Organization represents that it has appropriate rights and authority to provide and use Customer Data.

6.Accounts-Receivable Role

OwedWell provides workflow software. The Organization remains responsible for selecting accounts, determining communication policy, reviewing messages where approval is required, determining escalation, honoring disputes and suppression requests, and deciding what amounts are legally and contractually due. OwedWell does not provide legal advice or guarantee recovery.

7.Communications Compliance

The Organization is responsible for ensuring that recipients, consent or other legal basis, content, timing, frequency, sender identification, opt-out or suppression handling, and connected communication providers comply with applicable laws, contracts, and provider rules. The Organization must promptly correct wrong contacts and honor disputes, do-not-contact requests, and applicable restrictions.

8.Hosted Sender Identity

OwedWell may use an OwedWell-controlled sender identity for authentication, invitations, account notices, security messages, and other Service communications. Customer-facing accounts-receivable communications use the Organization’s configured provider unless a separately described service or controlled test workflow is agreed in writing.

9.AI-Assisted Features

OwedWell may use artificial intelligence to draft messages, summarize information, classify responses, prioritize accounts, and suggest workflow actions. AI output can be incorrect, incomplete, or inappropriate. Authorized Users must exercise independent judgment. OwedWell does not guarantee the accuracy, completeness, legality, or suitability of AI output, and configured rules or human-approval requirements may restrict its use.

10.No Legal, Accounting, or Financial Advice

OwedWell provides software and operational workflow tools, not legal, accounting, tax, or professional financial advice. Organizations should consult qualified professionals about collections, liens, late fees, interest, disputes, bankruptcy, or other professional matters.

11.Balances, Late Fees, and Interest

OwedWell may display balances or charges supplied by an Organization’s source system. Unless a separately reviewed feature states otherwise, OwedWell does not determine whether charges are legally or contractually permitted. Organizations are responsible for ensuring amounts sought are accurate and authorized.

12.Payments

Customer invoice payments should ordinarily be made through the Organization’s authorized payment systems. OwedWell does not currently take custody of contractor customer invoice funds as part of the standard Service. Payment links stored or included through OwedWell are supplied or authorized by the Organization.

13.Fees and Billing

Organizations must pay fees described in an applicable subscription, onboarding agreement, order form, or other accepted commercial terms. Prices and plans may change prospectively with appropriate notice. Unless an applicable order states otherwise, fees are non-refundable except as required by law.

14.Acceptable Use

Authorized Users may not use OwedWell to:

• Violate applicable law or another person’s rights
• Impersonate another person or Organization
• Access another Organization’s account without authorization
• Upload information the Organization is not authorized to use
• Transmit malware, interfere with the Service, or circumvent security controls
• Make unlawful, deceptive, threatening, or abusive communications
• Use automated functionality outside permitted product controls

OwedWell may restrict or suspend access reasonably believed to create security, legal, or platform risk.

15.Third-Party Services and Subprocessors

OwedWell may rely on third-party services such as hosting, database, authentication, email, payment, monitoring, analytics, and AI providers. These services are subject to their own terms, availability, and privacy practices. Current providers are described on the Subprocessors page.

16.Data Processing Addendum

If the parties enter a Data Processing Addendum, it will supplement these Terms for covered processing. If there is a conflict regarding that processing, the Data Processing Addendum will control.

17.Security Incidents

OwedWell maintains safeguards designed to protect the Service. If OwedWell confirms a security incident affecting Customer Data, OwedWell will notify the affected Organization as required by applicable law or an applicable written agreement and provide reasonably available information needed for the Organization’s response.

18.Availability and Changes

OwedWell may modify, update, suspend, or discontinue features and does not guarantee uninterrupted or error-free availability. OwedWell may perform maintenance, security updates, and emergency changes when necessary.

19.Confidentiality

Each party will use reasonable care to protect the other party’s non-public confidential information and use it only for the relationship. Confidential information excludes information that becomes public without breach, was already lawfully known, is independently developed, or is lawfully received from another source.

20.Intellectual Property

OwedWell and its licensors retain ownership of the Service, technology, branding, documentation, and related intellectual property. Organizations retain their rights in Customer Data. OwedWell may use feedback to improve the Service without obligation, provided it does not require disclosure of Customer Data.

21.Suspension and Termination

An Organization may terminate according to applicable order terms. OwedWell may suspend or terminate access for material breach, nonpayment, security risk, unlawful use, or conduct that materially threatens the Service or others. Where reasonable, OwedWell may provide notice and an opportunity to cure. Upon termination, access ends subject to any agreed export period and legally required retention.

22.Data Export and Deletion

Subject to an applicable agreement and law, an Organization may request export or deletion of Customer Data. OwedWell may retain records reasonably necessary for legal obligations, security, fraud prevention, audit, dispute resolution, or enforcement. Export and deletion procedures will remain aligned with the Privacy Policy and any applicable Data Processing Addendum.

23.Disclaimers

To the maximum extent permitted by applicable law, the Service is provided on an “as is” and “as available” basis.

OwedWell does not guarantee payment or collection of any invoice, any recovery amount, customer responses, legal compliance of an Organization’s communications, accuracy of AI output, or uninterrupted operation. Organizations remain responsible for business decisions made using the Service.

24.Limitation of Liability

25.Indemnification

26.Order of Precedence

If there is a conflict, an executed order form will control over these Terms for commercial terms specific to that order, and an executed Data Processing Addendum will control for covered data processing. These Terms otherwise control use of the Service.

27.Governing Law and Disputes

28.Changes to the Terms

OwedWell may update effective Terms from time to time. Material changes will be communicated as appropriate, and any required acceptance process will be followed.

29.Contact

Legal questions may be directed to: