Terms of Service

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Two-factor authentication (TOTP) is required. You agree to one account per organization, to provide accurate information, not to abuse the Service, and not to resell, sublicense, or white-label the Service to third parties without our prior written authorization.

Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Service and our software, designs, templates, models, and documentation for your own internal business purposes during your subscription term. This license constitutes the End User License Agreement (EULA) component of this combined agreement and ends automatically on termination. You retain ownership of the data you upload, sync, or generate (“Customer Data”); we do not sell Customer Data and do not use it to train machine-learning models for use outside your account.

Subscriptions bill via Stripe on the JMJ Billing LLC account. Plan pricing, billing period, free trials, and any referral free-month credits are as described at signup and on your billing page. Referral rewards unlock on the referred account’s first real payment and may be reversed on refund or dispute. Subscriptions renew automatically until cancelled; you may cancel at any time from your billing settings or by emailing info@jmjbillings.com. Cancellation stops future renewals; access continues through the end of the current paid period.

For any payment your customers make to you through a connected processor (Stripe, Square, PayPal, Cash App, Venmo, Zelle, ACH, or check), JMJ Billing LLC is not a party to that payment, is not a money transmitter, and never holds, routes, or takes custody of your funds. Your processor’s terms govern the money; we only generate the payment link and record the result. Money moves directly from your customer to your own merchant account.

The Service is provided “AS IS” and “AS AVAILABLE”, without warranty of any kind. JMJ Billing LLC disclaims all implied warranties, including the implied warranties of merchantability and fitness for a particular purpose. We make no uptime or availability commitment.

No warranty of collection outcome. JMJ Billing LLC expressly makes no warranty as to any collection outcome, recovery rate, or timing of payment. Whether an invoice is paid, how much is recovered, and when, are outside our control and are not promised by these Terms or by any figure, projection, or estimate shown anywhere in the Service.

JMJ Billing LLC is not liable for any indirect, incidental, or consequential damages arising out of or relating to these Terms or the Service.

Our total cumulative liability arising out of or relating to these Terms or the Service is capped at the fees you paid to JMJ Billing LLC in the twelve (12) months preceding the claim.

You indemnify JMJ Billing LLC in respect of each debt you submit to or pursue through the Service — specifically its validity, your ownership of it, and your right to pursue it.

This indemnity applies to any debt that is time-barred, disputed, discharged in bankruptcy, or not yours. You are the party in a position to know these things; we are not, and the Service does not determine them for you.

These Terms are governed by the laws of the State of Texas.

Notices. Notices to JMJ Billing LLC must be in writing and addressed to JMJ Billing LLC at 1511 W Hwy 71, Ste 110, Bee Cave, TX 78738, with a copy by email to info@jmjbillings.com.

Creditor’s agent, not third-party debt collector. JMJ Billings operates the Service as your agent in connection with accounts you own (debts owed directly to you). The Service is not a third-party debt collector under the Fair Debt Collection Practices Act (FDCPA) for accounts in your own name. You retain ownership of the receivables and remain the legal creditor at all times.

JMJ Billings provides software. It does not itself collect debts. The Service is an application you use to communicate with your own customers about amounts they owe you. You act on your own behalf using the platform — the messages go out under your business name, from your sending domain, about your receivables. JMJ Billing LLC operates the software; it is not a party to the underlying obligation.

Your representations. By using the Service you represent, for each amount you pursue through it, that the debt is valid, undisputed, and lawfully owed, and that you have the right to pursue collection of it.

Your Do-Not-Contact obligations are yours. You maintain your own Do-Not-Contact obligations. The Service provides tooling to help, but the obligation does not transfer to us by your using it.

Operationally, you must maintain an accurate Do-Not-Contact (DNC) list within the Service and promptly add any recipient upon a request to stop, a cease-and-desist, or a dispute requiring verification. JMJ Billings enforces a three-layer DNC guardrail, but maintaining the underlying list is your responsibility.

At the final stage, unresolved invoices may be referred to a recovery partner (the anchor) for collection on your behalf, subject to your written authorization on a per-account or standing basis. When you authorize such a referral, the partner’s standard contingency fee applies to amounts actually recovered, and JMJ Billing LLC retains a five percent (5%) margin on the recovered amounts as compensation for placement and oversight; the net recovered balance is returned to you. No referral occurs without that authorization.

How you authorize, and how you revoke. You may authorize placement either at each individual placement, or on a standing basis covering accounts that meet the criteria. Your agreement to these Terms applies at each placement made under either form. In either case the authorization is revocable at any time.

Where you use the standard net-30 clause, your customer’s e-signature forms a binding agreement between you and your customer — JMJ Billing LLC is not a party to that agreement.