By accessing or using ResolveIQ Recovery Group's platform, services, or any associated websites (collectively, the "Platform"), you agree to be bound by these Terms of Service ("Terms"). If you are using the Platform on behalf of a business, you represent that you have authority to bind that business to these Terms. If you do not have such authority, you must not use the Platform.
These Terms apply to all users of the Platform, including clients who submit accounts for recovery, operators who manage accounts, debtors who access the payment portal, and any other parties who interact with the Platform. If you do not agree to these Terms, you may not access or use the Platform.
ResolveIQ Recovery Group operates an AI-powered commercial collections platform designed to assist businesses in managing and resolving outstanding B2B receivables. The Platform provides account scoring, workflow automation, communication management, payment processing, and compliance tracking tools for commercial accounts.
The Platform is not a law firm and does not provide legal advice. Nothing on the Platform constitutes legal advice. Clients are responsible for ensuring their collection activities comply with applicable laws. ResolveIQ recommends that clients consult qualified legal counsel regarding their specific obligations under Texas Finance Code Chapter 391 and any other applicable regulations.
By submitting an account to the Platform, the client ("Client") represents and warrants that:
ResolveIQ reserves the right to reject accounts that do not meet submission standards, that present unacceptable legal risk, or that conflict with the Platform's compliance standards.
Clients are solely responsible for the accuracy and completeness of all data submitted through the Platform. ResolveIQ does not independently verify the validity of submitted accounts or the authority of the submitting party. Clients must maintain documentation supporting each account and make such documentation available upon request in connection with regulatory inquiries or legal proceedings.
Clients retain ownership of all data they submit to the Platform. ResolveIQ is granted a limited license to use, process, and store submitted data solely for the purpose of providing Platform services. Clients represent that they have all necessary rights and consents to submit debtor personal information and that such submission complies with applicable privacy laws.
Payment processing on the Platform is provided through Stripe, a third-party payment processor. ResolveIQ does not store raw payment card data and is not a payment institution. All payment transactions are subject to Stripe's terms of service and privacy policy, which are available at stripe.com.
Clients authorize ResolveIQ to process payments in accordance with the payment arrangements established through the Platform. Refunds may be requested through the Platform, but ResolveIQ reserves the right to refuse refund requests that involve disputed transactions, fraud indicators, or that violate applicable law. Admin-initiated refunds require written justification and are subject to review.
Installment payment plans are offered at the discretion of the Client and are subject to the terms agreed upon at the time of account setup. ResolveIQ does not guarantee payment collection and is not responsible for accounts that fail to complete agreed payment arrangements.
ResolveIQ designs the Platform to support compliance with Texas Finance Code Chapter 391 and aligned federal standards. However, compliance is a shared responsibility. Clients are responsible for:
ResolveIQ provides tools, templates, and automated compliance checks as part of the Platform, but these do not constitute legal advice and do not guarantee compliance in any specific situation.
Access to the Platform is role-based. Each user account is issued to a single individual and may not be shared or transferred. Users are responsible for maintaining the confidentiality of their login credentials and for all activity that occurs under their account.
Operators must use their access solely for legitimate collection and account management activities. Misuse of operator access — including accessing accounts outside your authorization, manipulating compliance records, or bypassing approval workflows — may result in immediate account termination and referral to appropriate authorities.
Debtors accessing the payment portal retain all rights under applicable law, including the right to dispute the obligation, request communication cease, or demand verification of the debt. Debtors are not required to make payments through the Platform and may pay the Client directly or through other means.
ResolveIQ does not make legal determinations regarding the validity of debts. Disputes received through the Platform will be logged, acknowledged, and routed to the Client for resolution. Pending dispute resolution, collection activity will be suspended on the affected account.
The Platform, including all software, design, text, graphics, logos, and other content, is the property of ResolveIQ Recovery Group or its licensors and is protected by applicable intellectual property laws. Clients and users do not acquire any ownership rights in the Platform through use. The Platform may not be reverse-engineered, copied, reproduced, or redistributed without written consent.
Clients retain ownership of their submitted account data. ResolveIQ claims no ownership over client-submitted information but may use anonymized, aggregated data to improve Platform analytics and scoring models.
The Platform integrates with third-party services including Stripe (payment processing), OpenAI (AI features), and other infrastructure providers. These services operate under their own terms and privacy policies. ResolveIQ is not responsible for the actions, errors, or omissions of third-party providers.
To the maximum extent permitted by law, ResolveIQ Recovery Group, its affiliates, officers, directors, employees, and agents are not liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of profits, data, business, or goodwill — arising out of or related to use of the Platform, whether based on contract, tort, strict liability, or any other legal theory.
ResolveIQ's total liability for any claim arising from use of the Platform shall not exceed the total fees paid by the Client to ResolveIQ in the twelve (12) months preceding the claim. This limitation applies regardless of the theory of recovery and even if ResolveIQ has been advised of the possibility of such damages.
Clients agree to indemnify, defend, and hold harmless ResolveIQ Recovery Group and its officers, directors, employees, and agents from and against any claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) the Client's use of the Platform; (b) the Client's violation of these Terms; (c) the Client's violation of any applicable law; (d) any account submitted by the Client that proves to be invalid, fraudulent, or disputed; or (e) any dispute, claim, or legal proceeding brought by a debtor or third party arising from the Client's collection activities.
The Platform is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. ResolveIQ does not warrant that the Platform will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
ResolveIQ does not warrant that the AI-generated communications, scoring recommendations, or workflow suggestions will produce any specific outcome. All AI outputs are recommendations subject to human review and approval. The Client bears sole responsibility for the content and timing of all communications sent through the Platform.
ResolveIQ may suspend or terminate access to the Platform at any time, with or without notice, if the Client or user violates these Terms, engages in unlawful activity, or presents unacceptable risk to ResolveIQ, other Platform users, or debtors. Clients may terminate their account at any time by providing written notice to ResolveIQ.
Upon termination, ResolveIQ will retain account data and records as required by applicable law. Clients remain responsible for any fees or obligations incurred prior to termination.
These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any dispute arising out of or related to these Terms or use of the Platform shall be resolved in the state or federal courts located in Texas, and both parties consent to the exclusive jurisdiction of those courts.
ResolveIQ operates as a commercial collections platform subject to Texas Finance Code Chapter 391. Any conflict between the operation of the Platform and applicable regulatory requirements must be resolved in favor of the applicable regulation.
ResolveIQ may update these Terms from time to time to reflect changes in the Platform, applicable law, or business practices. Updated Terms will be posted on this page with a revised "Effective" date. Material changes will be communicated via the Platform or by email to registered users. Continued use of the Platform after changes become effective constitutes acceptance of the revised Terms.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.
For questions regarding these Terms of Service, contact ResolveIQ Recovery Group. Any notice under these Terms must be in writing and delivered via email or certified mail to the contact information provided on the Platform.