Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and Iron Meadow Holdings LLC, a Florida limited liability company, doing business as PastDue ("Company," "we," "us," or "our"). By accessing our website at getpastdue.com, booking a call, or using any of our services, you agree to be bound by these Terms in their entirety. If you do not agree, you must immediately discontinue use of the Service.

PastDue provides automated invoice follow-up services designed to help businesses recover outstanding payments. Our Service includes, but is not limited to: uploading and tracking overdue invoices, sending automated email and SMS follow-up communications to your clients on your behalf, providing payment plan facilitation, and, at your sole discretion, referring unpaid invoices to licensed third-party collections agencies ("Service").

PastDue is not a debt collection agency. We are a business communication and follow-up automation platform. Any collections activity undertaken through our platform is performed exclusively by licensed third-party agencies at your explicit direction. We make no guarantee that any specific invoice will be recovered.

You must be at least 18 years of age and have the legal authority to enter into binding contracts on behalf of yourself or the business entity you represent. By using the Service, you represent and warrant that you meet these requirements and that all information you provide is accurate, current, and complete.

Access to certain features of the Service may require you to provide account credentials or an administrative password. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. You agree to notify us immediately at [email protected] if you suspect any unauthorized use of your account.

By using the Service, you represent, warrant, and agree that:

• All invoices you submit are legitimate, accurate, and legally enforceable obligations owed to you or your business;
• You have the legal right to authorize us to contact your clients on your behalf;
• You will not use the Service to collect personal debts, consumer debts subject to the Fair Debt Collection Practices Act (FDCPA), or any debt in a manner that violates applicable law;
• You will comply with all applicable federal, state, and local laws, including laws governing electronic communications and debt collection; and
• You will promptly notify us when an invoice has been paid so that follow-up communications may be stopped.

Fees for the Service are as described on our pricing page or as agreed upon in a separate written agreement between you and the Company. All fees are due and payable in advance on a monthly basis unless otherwise agreed in writing. We reserve the right to modify our pricing at any time upon reasonable notice to you.

ALL FEES PAID TO IRON MEADOW HOLDINGS LLC ARE NON-REFUNDABLE. By purchasing or subscribing to the Service, you acknowledge and agree that you are not entitled to any refund, credit, or reimbursement of any fees paid, for any reason, including but not limited to dissatisfaction with the Service, cancellation of your subscription, failure to use the Service, or termination of these Terms by either party. This no-refund policy applies to all plans, including monthly subscriptions and any one-time fees.

If you have a billing dispute, you must notify us in writing at [email protected] within thirty (30) days of the charge. Failure to do so constitutes a waiver of any claim related to that charge.

You may cancel your subscription at any time by providing written notice to [email protected]. Cancellation will take effect at the end of the then-current billing period. You will continue to have access to the Service through the end of the paid period. No prorated refunds will be issued for any unused portion of a billing period.

All content, features, functionality, software, and materials available through the Service, including but not limited to text, graphics, logos, and code, are the exclusive property of Iron Meadow Holdings LLC or its licensors and are protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for your internal business purposes in accordance with these Terms.

Each party agrees to keep confidential any non-public information disclosed by the other party in connection with the Service that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information and the circumstances of disclosure. This obligation does not apply to information that is or becomes publicly available through no fault of the receiving party.

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE MAKE NO GUARANTEE THAT ANY INVOICE WILL BE RECOVERED OR THAT ANY SPECIFIC RESULT WILL BE ACHIEVED THROUGH USE OF THE SERVICE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL IRON MEADOW HOLDINGS LLC, ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO US IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

You agree to defend, indemnify, and hold harmless Iron Meadow Holdings LLC, its members, managers, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any claim by a third party arising from your use of the Service.

If you elect to escalate an invoice to a third-party collections agency through our platform, you acknowledge that such agency is an independent third party and not an agent or employee of Iron Meadow Holdings LLC. We are not responsible for the actions, omissions, or conduct of any third-party collections agency. Any engagement with a third-party collections agency is solely between you and that agency, and you assume all responsibility for ensuring compliance with applicable collections laws.

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved exclusively by binding arbitration administered in Florida in accordance with the rules of the American Arbitration Association (AAA), except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights. You waive any right to participate in a class action lawsuit or class-wide arbitration.

We reserve the right to suspend or terminate your access to the Service at any time, with or without cause or notice, if we believe you have violated these Terms or applicable law. Upon termination, your right to use the Service will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on our website with a revised effective date. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised Terms.

These Terms, together with our Privacy Policy and any separate written service agreement between you and the Company, constitute the entire agreement between you and Iron Meadow Holdings LLC with respect to the Service and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding the Service.

If you have any questions about these Terms, please contact us at: