Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and ClaimCue Inc. ("ClaimCue," "we," "our," or "us"). By registering for an account, submitting an invoice, accessing the ClaimCue platform, or using any of our services (collectively, the "Services"), you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you are accepting these Terms on behalf of a business entity, you represent and warrant that you have the authority to bind that entity to these Terms. If you do not have such authority, or if you do not agree with these Terms, you must not use the Services.

ClaimCue reserves the right to modify these Terms at any time. We will provide at least 14 days' notice of material changes by email or by posting a notice on the platform. Your continued use of the Services after the effective date of any changes constitutes acceptance of the updated Terms.

ClaimCue provides an automated accounts-receivable enforcement platform that enables businesses to recover unpaid invoices through a structured escalation process. The Services include, but are not limited to:

• —Automated demand letter generation and delivery — AI-drafted, lawyer-reviewed correspondence sent on your behalf from your business identity.
• —Civil court filing assistance — preparation and filing of small claims and civil court applications in applicable Canadian and US jurisdictions.
• —Lawyer coordination — routing of matters to licensed lawyers in our professional network for review, approval, and signature of legal documents.
• —Post-judgment enforcement — filing for wage garnishment, corporate bank account garnishment, property liens, and writs of seizure and sale, executed by licensed bailiffs and collection agents.
• —Payment plan administration — collection and disbursement of partial payments and structured payment plans on your behalf.
• —Accounting platform integrations — synchronization of invoice data from QuickBooks, Xero, FreshBooks, and other connected platforms.
• —API and MCP server access — programmatic access to ClaimCue's enforcement engine for technical integrations.

ClaimCue is not a law firm. Legal services are provided by independent licensed lawyers in our network who maintain their own professional obligations. ClaimCue coordinates and facilitates access to those lawyers but does not itself provide legal advice. Nothing in these Terms or in the Services constitutes legal advice.

ClaimCue is a registered collection agency and operates licensed bailiff services in the jurisdictions in which it provides enforcement services. The availability of specific enforcement actions depends on the jurisdiction of the debtor and the nature of the debt.

The Services are available to businesses and sole proprietors operating lawfully in Canada or the United States. You must be at least 18 years of age and have the legal capacity to enter into contracts in your jurisdiction.

You agree to provide accurate, current, and complete information during registration and to keep your account information up to date. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately at [email protected] if you suspect unauthorized access to your account.

ClaimCue reserves the right to refuse registration, suspend, or terminate any account at its sole discretion, including where we have reason to believe that the submitted debt is fraudulent, disputed in bad faith, or otherwise unlawful.

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

• —All invoices and debt information you submit are accurate, complete, and relate to a genuine, lawful, and undisputed debt owed to you by the identified debtor.
• —You have provided the goods or services described in each invoice and have a legal right to collect the amounts claimed.
• —You have not previously assigned, sold, or transferred the debt to any third party, and the debt is not subject to any bankruptcy, insolvency, or creditor protection proceeding.
• —The debtor information you provide (name, address, contact details, employer, banking information) was lawfully obtained and, to the best of your knowledge, is accurate.
• —You will promptly notify ClaimCue if a debtor pays, disputes a debt, enters bankruptcy, or if any other circumstance arises that would affect the validity or collectability of the debt.
• —You will not use the Services to collect consumer debts (debts owed by individuals for personal, family, or household purposes) unless you have confirmed with ClaimCue that the applicable consumer protection and collection agency laws have been complied with.
• —You will not submit debts that are statute-barred (outside the applicable limitation period) without disclosing that fact to ClaimCue.
• —You authorize ClaimCue and its lawyer network to act as your agent for the purposes of sending demand letters, filing court applications, and executing enforcement actions on your behalf.

You acknowledge that ClaimCue relies on the accuracy of the information you provide. If a debt is found to be fraudulent, invalid, or the subject of a legitimate dispute, ClaimCue reserves the right to withdraw from the matter and you will be responsible for any costs incurred up to that point, including any filing fees already paid to court registries.

5.1 Success-Based Pricing

ClaimCue operates on a success-based pricing model. You do not pay a monthly subscription fee or retainer. A success fee, expressed as a percentage of the recovered amount, is charged only when ClaimCue produces a qualifying recovery outcome. Success fees vary based on the invoice size tier and are disclosed at the time of invoice submission. Current fee schedules are available at claimcue.com/pricing.

5.2 Qualifying Recovery Outcomes

A success fee is triggered upon any of the following outcomes: (a) the debtor pays the invoice in full or in part following ClaimCue's intervention; (b) the debtor enters a payment plan administered by ClaimCue; (c) a court judgment is obtained in your favour; (d) a garnishment order, lien, or writ of seizure results in a recovery; or (e) any other outcome where money is recovered or a legally enforceable right to payment is established. A court judgment is a qualifying outcome regardless of whether the judgment has been collected at the time the fee is charged.

5.3 Government Filing Fees

Court filing fees, service fees, sheriff's fees, and other government-mandated disbursements are not included in the success fee. These fees are paid by ClaimCue on your behalf and are added to the debtor's liability as recoverable costs under applicable court rules. In the event that the debt is not recovered, these fees are borne by the Client. ClaimCue will provide a clear estimate of anticipated government fees before any filing action is taken, and will obtain your approval before proceeding.

5.4 Payment Terms

Success fees are invoiced upon the occurrence of a qualifying recovery outcome. Payment is due within 14 days of invoice. For payment plan matters, success fees may be charged on a pro-rata basis as payments are received. Late payments accrue interest at 1.5% per month (18% per annum). ClaimCue reserves the right to suspend Services for accounts with overdue balances.

5.5 Disputes

If you dispute a fee, you must notify us in writing at [email protected] within 30 days of the invoice date. Undisputed portions of invoices remain due and payable. We will work in good faith to resolve billing disputes within 14 days.

ClaimCue's default enforcement process follows a structured escalation from demand letters through to court filing and post-judgment enforcement. However, you may instruct ClaimCue to begin at any stage of the escalation — including proceeding directly to a demand letter, court filing, or enforcement action — subject to legal requirements in the applicable jurisdiction.

Certain actions require your explicit approval before ClaimCue proceeds. These include: (a) filing a court application; (b) any post-judgment enforcement action (garnishment, lien, seizure); and (c) any action where the anticipated government fees exceed a threshold disclosed in your account settings. You will be notified via the platform and/or email and must approve the action before ClaimCue proceeds. Failure to respond within the specified approval window may result in the matter being paused.

ClaimCue does not guarantee any specific outcome. The success of enforcement actions depends on factors outside our control, including the debtor's financial circumstances, the jurisdiction, and the strength of the underlying claim.

All demand letters, legal notices, and enforcement correspondence are sent in your name and on your behalf. ClaimCue is not disclosed to the debtor in standard communications. This is a deliberate design choice to preserve your business relationship and avoid the stigma associated with third-party collection agencies.

Where disclosure of ClaimCue's role is required by law (for example, under collection agency regulations that require identification of the collecting party), ClaimCue will comply with those requirements. You acknowledge and consent to such legally required disclosures.

You must not instruct ClaimCue to make any false, misleading, or harassing communications to debtors. All communications generated by ClaimCue comply with applicable collection agency laws and professional conduct rules. ClaimCue reserves the right to refuse or modify any instruction that would violate applicable law or professional standards.

ClaimCue and its licensors own all intellectual property rights in the platform, software, algorithms, templates, and documentation. Nothing in these Terms grants you any ownership interest in ClaimCue's intellectual property.

You retain ownership of all invoice data, business information, and other content you submit to the platform ("Client Data"). You grant ClaimCue a non-exclusive, worldwide, royalty-free licence to use, process, and store Client Data solely to the extent necessary to provide the Services.

ClaimCue may use aggregated, anonymized data derived from Client Data (with no personally identifiable information) for the purpose of improving the platform, training models, and generating industry benchmarks. This anonymized data does not constitute Client Data and is owned by ClaimCue.

If you access the Services via ClaimCue's REST API or MCP server, the following additional terms apply:

• —You may not use the API to submit fraudulent, fabricated, or unlawful debt claims.
• —You are responsible for securing your API credentials. ClaimCue is not liable for unauthorized use of your API keys.
• —Rate limits apply as specified in the API documentation. Exceeding rate limits may result in temporary suspension of API access.
• —ClaimCue may modify, deprecate, or discontinue API endpoints with reasonable notice. We will provide at least 60 days' notice before deprecating any endpoint that is in active use.
• —You may not use the API to build a competing product or to resell access to the ClaimCue enforcement engine without a separate written agreement.

Each party agrees to keep confidential all non-public information disclosed by the other party in connection with the Services ("Confidential Information"), and to use it only for the purpose of performing obligations under these Terms. Confidential Information does not include information that: (a) is or becomes publicly available through no fault of the receiving party; (b) was already known to the receiving party; (c) is independently developed without reference to the Confidential Information; or (d) is required to be disclosed by law or court order, provided the disclosing party is given prompt notice where legally permissible.

11.1 No Guarantee of Recovery

ClaimCue does not guarantee that any debt will be recovered. The success of enforcement actions depends on factors outside our control, including the debtor's financial circumstances, the jurisdiction, and the strength of the underlying claim. Our success-based pricing reflects this — we only charge when we produce a result, but we cannot promise a result in every case.

11.2 No Legal Advice

ClaimCue is a technology platform that facilitates access to legal and enforcement services. Nothing in the Services, the platform, or any communication from ClaimCue constitutes legal advice. You should consult an independent lawyer if you require legal advice specific to your situation.

11.3 Limitation of Liability

To the maximum extent permitted by applicable law, ClaimCue's total liability to you for any claim arising out of or relating to these Terms or the Services is limited to the greater of: (a) the total fees paid by you to ClaimCue in the 12 months preceding the claim; or (b) CAD $500. ClaimCue is not liable for any indirect, incidental, consequential, special, or punitive damages, including loss of profits, loss of revenue, or loss of data, even if advised of the possibility of such damages.

11.4 Indemnification

You agree to indemnify, defend, and hold harmless ClaimCue, its officers, directors, employees, lawyers, and agents from and against any claims, damages, losses, and expenses (including reasonable legal fees) arising out of: (a) your breach of these Terms; (b) the inaccuracy or invalidity of any debt or debtor information you submit; (c) your violation of any applicable law; or (d) any claim by a debtor arising from a debt you submitted to ClaimCue.

You may close your account at any time by contacting [email protected]. Upon closure, active enforcement matters will be wound down in an orderly manner. You remain responsible for any success fees and government filing fees incurred prior to account closure.

ClaimCue may suspend or terminate your account immediately if: (a) you breach these Terms; (b) you submit fraudulent or unlawful debt claims; (c) you fail to pay fees when due; (d) ClaimCue is required to do so by law or a regulatory authority; or (e) ClaimCue determines, in its sole discretion, that continued provision of Services would expose ClaimCue or its lawyer network to legal or reputational risk.

Upon termination, your right to use the Services ceases immediately. Sections 4, 5, 8, 10, 11, 13, and 14 survive termination.

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Any dispute arising out of or relating to these Terms or the Services that cannot be resolved informally shall be submitted to binding arbitration administered by the British Columbia International Commercial Arbitration Centre (BCICAC) under its Domestic Commercial Arbitration Rules. The arbitration shall be conducted in English in Vancouver, British Columbia. The arbitrator's decision shall be final and binding, and judgment may be entered in any court of competent jurisdiction.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm pending arbitration. Nothing in this section limits ClaimCue's ability to pursue collection of unpaid fees through legal process.

Entire Agreement. These Terms, together with the Privacy Policy and any order forms or service agreements executed between the parties, constitute the entire agreement between you and ClaimCue with respect to the Services and supersede all prior agreements and understandings.

Severability. If any provision of these Terms is found to be unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force.

Waiver. ClaimCue's failure to enforce any provision of these Terms does not constitute a waiver of its right to enforce that provision in the future.

Assignment. You may not assign your rights or obligations under these Terms without ClaimCue's prior written consent. ClaimCue may assign these Terms in connection with a merger, acquisition, or sale of substantially all of its assets.

Force Majeure. ClaimCue is not liable for any delay or failure to perform resulting from causes outside its reasonable control, including court system outages, government actions, natural disasters, or internet disruptions.

Contact. For questions about these Terms, contact us at [email protected].