Effective date: March 15, 2026 · Last updated: May 12, 2026
RemindLedger™ is an Operative Finance platform — software classified under NAICS 518210 (Data Processing, Hosting, and Related Services). We are not a debt collection agency, a payment processor, or a financial institution. We do not transmit, hold, or facilitate the transfer of funds between any parties.
By accessing or using RemindLedger ("Service", "we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.
RemindLedger is operated by REMINDLEDGER INC., a corporation organized under the laws of the State of Delaware, USA ("Company").
RemindLedger provides an Operative Finance platform for small and medium-sized businesses — orchestrating accounts receivable (AR) automation, payment matching, Invoice-On-Payment™ closure, and contract-driven billing under one operating layer. The Service is software classified under NAICS code 518210 (Data Processing, Hosting, and Related Services).
The Service includes, but is not limited to:
RemindLedger does not: process payments, hold funds, operate as a payment processor, provide credit or loans, collect debts on behalf of third parties, or act as a financial intermediary in any transaction.
To provide payment reconciliation, you may authorize RemindLedger to access read-only bank transaction data through approved bank connectivity services, forward specific bank notification emails to a RemindLedger-provided address, or upload bank statement files you control. You acknowledge and agree that:
When you use RemindLedger to send payment reminders via email or SMS to your customers ("End Recipients"), you agree that:
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to:
RemindLedger offers subscription-based plans. By subscribing to a paid plan, you agree to pay the applicable fees as described on our pricing page. All fees are in USD. We reserve the right to modify pricing with 30 days' notice.
You may cancel your subscription at any time. Cancellations take effect at the end of the current billing period. We do not provide refunds for partial months of service, except where required by law.
You may not use the Service to:
THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT EMAIL PARSING WILL ACHIEVE 100% ACCURACY.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, REMINDLEDGER INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF REVENUE OR PROFIT, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNTS PAID BY YOU TO REMINDLEDGER IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
You agree to indemnify and hold harmless REMINDLEDGER INC. from any claims, damages, or expenses (including reasonable attorneys' fees) arising out of your use of the Service, your violation of these Terms, or your violation of any rights of a third party.
These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict of law principles. Any dispute shall be resolved by binding arbitration under JAMS rules in Wilmington, Delaware, on an individual basis (no class actions). The prevailing party shall be entitled to recover reasonable attorneys' fees.
For users resident in Canada, mandatory non-waivable consumer protection provisions of the user's province or territory of residence (including, where applicable, Quebec Consumer Protection Act, Ontario Consumer Protection Act, PIPEDA and provincial equivalents) apply in addition to these Terms. Where local mandatory law conflicts with these Terms, the more user-favorable provision prevails.
We may update these Terms from time to time. We will notify you via email or in-app notification at least 14 days before material changes take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.
13.1 Billing Cycle. Subscriptions to RemindLedger plans are billed monthly or annually depending on the selected plan. The cycle begins on the subscription activation date.
13.2 Upgrade (switching to a higher plan). When the user requests a change to a higher-priced plan, the change is scheduled to take effect at the start of the next billing cycle. The user retains all features of the current plan until the end of the current cycle. The new plan price will be charged at the beginning of the new cycle.
13.3 Downgrade (switching to a lower plan). When the user requests a change to a lower-priced plan, the change takes effect immediately. Features exclusive to the higher plan become unavailable at the time of the change. No credits, refunds, or compensation are issued for the remaining days of the current billing cycle.
13.4 Proration. No proration applies in any plan change scenario. No partial charges are made and no credits are issued for incomplete periods.
13.5 Cancellation of Scheduled Changes. A scheduled upgrade may be cancelled at any time before the new billing cycle begins, at no cost.
13.6 Subscription Cancellation. Upon cancelling a subscription, the user retains access to the subscribed plan until the end of the current billing cycle. No refunds are issued for the remaining period.
RemindLedger is software. It is not a bank, money services business, money transmitter, or payment processor. When you, your customers, or any third party initiates a payment through a processor connected to RemindLedger, the funds are held, transmitted, and disbursed exclusively by the licensed processor. RemindLedger never receives, holds, commingles, or controls customer funds.
The list of integrated processors may change over time. RemindLedger operates with licensed payment processors that may be added or removed as the integration roadmap evolves. Processors based in the United States operate as Money Services Businesses registered with FinCEN and hold merchant balances in For-Benefit-Of (FBO) custodial accounts at FDIC-insured banking partners. FDIC insurance attaches to the custodial bank and does not constitute a pass-through guarantee to any individual merchant or end-customer. Availability of funds and applicable insurance limits are governed by the processor and the custodial bank in force at the time of the transaction.
RemindLedger is not an agent of any processor or custodial bank. Your financial relationship with each processor is direct and is governed by that processor's terms of service, which you must accept separately to enable payment processing features. The disclaimers in this Addendum apply to the processor actually used for the transaction in question.
Chargebacks, card-network disputes, ACH returns (R-codes), wire reversals, refund obligations, and similar financial events are governed by the rules of the card networks (Visa, Mastercard, Discover, American Express), NACHA, the applicable banking network, and the processor's terms of service.
Such disputes are resolved directly between the merchant and the processor. RemindLedger does not adjudicate, arbitrate, or guarantee the outcome of financial disputes and is not a party to such disputes. On request, RemindLedger may provide technical evidence (reconciliation logs, message delivery receipts, invoice metadata, audit trails) at no charge to support the merchant's case.
Refunds are initiated by the merchant from the processor balance. If the processor holds funds, freezes an account, imposes a reserve, or applies anti-fraud measures, RemindLedger has no ability to reverse those decisions.
If you elect to surcharge card payments or to apply convenience fees on transactions processed through RemindLedger, you are solely responsible for compliance with: (a) the rules of the applicable card networks — Visa and Mastercard currently cap card surcharges at 3% of the transaction; American Express and Discover impose separate rules; (b) state-law restrictions — surcharging is prohibited or restricted under the laws of Connecticut, Maine, Massachusetts and Oklahoma, and is subject to specific notice and product-type rules in New York and New Jersey; rules vary by state and change from time to time; (c) the surcharge registration and signage requirements imposed by each card brand; and (d) the disclosure obligations to the cardholder at or before the point of sale.
RemindLedger does not enable surcharging by default. The feature is opt-in and configured by the merchant. By enabling surcharging or convenience fees, you represent and warrant that you have verified state-law and card-network compliance and you indemnify RemindLedger from any resulting liability.
You may not use RemindLedger or the connected payment processors to invoice, collect, or accept funds for the following industries or activities (which mirror the restricted-business list of our upstream processors):
Use for any prohibited activity results in immediate suspension, account termination without refund, and report to the upstream processor, which may independently freeze funds in accordance with its own terms of service.
When RemindLedger surfaces offers from independent third parties (lenders, BNPL networks, accounts-receivable financing partners, working-capital providers, card issuers, insurance partners, accounting platforms, or other independent businesses):
Subscription fees for RemindLedger are described on the pricing page. Payment-processing fees — for example, card processing at 2.9% + $0.30, ACH at-cost, instant-payout fees, micro-deposit account-verification charges — are determined by the upstream processor and may be passed through to the merchant with or without markup, as disclosed in the merchant dashboard before activation of any paid feature. Continued use of a paid feature constitutes acceptance of the disclosed fees.
RemindLedger may modify subscription or processing-fee markups upon at least thirty (30) days' prior notice via in-app message and email. The merchant may cancel the subscription before the effective date of the change without penalty.
What RemindLedger will never promise. RemindLedger does not hold itself out as a bank, does not guarantee pass-through FDIC insurance to the merchant or its customers, does not promise "instant and free" settlement or withdrawal, and does not guarantee rates or approval for third-party financial products. Any marketing copy suggesting otherwise should be reported to [email protected].
REMINDLEDGER INC. computes an internal "payment behavior score" for each of the Merchant's end-customers ("End Customers") derived from invoice and payment records the Merchant uploads, synchronises, or generates on the Service. This section governs the data-protection obligations of both parties for End Customer data.
The Merchant represents and warrants that: (a) the Merchant has obtained all necessary consents and provided all necessary notices to its End Customers to enable the processing of End Customer personal data described in this Agreement, including specifically the computation of a payment-behavior score from invoice and payment records; (b) the Merchant has a lawful basis under applicable data-protection law (including, where applicable, GDPR Art 6) for sharing End Customer data with REMINDLEDGER INC.; and (c) the Merchant's own privacy notice to End Customers discloses that payment-related personal data may be processed by third-party service providers, including REMINDLEDGER INC., for the purposes of internal payment-behavior scoring and collections support.
Where the processing of End Customer personal data falls within the scope of the EU General Data Protection Regulation (Regulation (EU) 2016/679, "GDPR") or the UK Data Protection Act 2018, the Merchant and REMINDLEDGER INC. are joint controllers within the meaning of Article 26 GDPR for the limited purpose of computing and maintaining the payment-behavior score. The Merchant retains sole responsibility for: (i) collecting and maintaining a lawful basis for the initial customer relationship; (ii) responding to End Customer rights requests at first instance; and (iii) notifying End Customers of any material change in processing purpose. REMINDLEDGER INC. retains sole responsibility for: (i) the technical operation of the scoring algorithm; (ii) maintaining the consent ledger and audit trail; and (iii) implementing technical and organisational measures appropriate to the risk.
If the Merchant receives a request from an End Customer relating to the payment-behavior score (including, without limitation, access (Art 15), rectification (Art 16), erasure (Art 17), withdrawal of consent (Art 7(3)), or human review of automated decisions (Art 22(3))), the Merchant shall either: (a) forward the request to [email protected] within five (5) business days; or (b) handle the request directly under the Merchant's own legal process, notifying REMINDLEDGER INC. of the resolution within thirty (30) days. REMINDLEDGER INC. commits to respond to any forwarded request within the timeframes mandated by applicable law (typically thirty (30) days under GDPR).
Where REMINDLEDGER INC. creates an End Customer profile based on data imported from the Merchant's accounting, billing, or CRM systems (via ERP synchronisation, API upload, manual entry, or any other means), the Merchant acknowledges that REMINDLEDGER INC. will not independently notify the End Customer of this processing under GDPR Art 14. The Merchant is responsible for ensuring its own privacy notice to End Customers covers this transfer, including: (i) the identity of REMINDLEDGER INC. as a joint controller; (ii) the purposes and legal basis of the processing; (iii) the categories of personal data shared; (iv) the End Customer's rights and how to exercise them; and (v) the retention period applicable to the payment-behavior score (seven (7) years post-last-activity, per REMINDLEDGER INC.'s Data Retention Policy).
The payment-behavior score is computed solely from data within the Merchant's own account ("closed-loop scoring"). REMINDLEDGER INC. does NOT today aggregate End Customer data across merchants, share the score with credit-reference agencies, or sell the data to third parties. Any future cross-merchant query feature will require a separate explicit consent (purpose: cross_creditor_data_sharing) from each affected End Customer and a separate authorisation from the Merchant before activation.
REMINDLEDGER INC. provides a plain-language summary of the payment-behavior score at remindledger.com/legal/privacy. The Merchant is encouraged (but not required) to link to or reproduce this summary in its own End Customer communications to support clarity under GDPR Art 12(1) ("clear and plain language").
FCRA notice: The payment-behavior score is a Merchant-internal performance metric, NOT a consumer credit report under the Fair Credit Reporting Act (15 U.S.C. §1681). REMINDLEDGER INC. is not a consumer reporting agency and does not furnish data to consumer reporting agencies.
For questions about these Terms, contact us at [email protected].
REMINDLEDGER INC. · Delaware, USA