Terms of Service

Cadence AR is a business-to-business platform that helps Subscribers and their collections staff manage accounts receivable: syncing invoice, customer, and payment records from accounting systems such as QuickBooks Online; organizing a prioritized collections work queue; sending reminders and correspondence by email and text message; placing and recording telephone calls; recording promises-to-pay and disputes; and accepting online card and bank (ACH) payments through third-party payment processors.

The Service is a tool for the Subscriber’s own accounts-receivable activities. Horizon Consulting is not a debt collector, collection agency, law firm, or financial advisor, and does not collect debts, provide legal advice, or provide accounting, tax, or investment advice on your behalf.

The Service is for business use by Subscribers and the individuals they authorize (“Authorized Users”). You must be at least 18 and able to form a binding contract. Access is by single sign-on (for example, Microsoft Entra or Google) and/or secure sign-in link, as configured.

You are responsible for all activity under your account and your Authorized Users’ accounts, for keeping sign-in credentials confidential, and for promptly notifying us of any unauthorized use. You will provide accurate account information and keep it current.

The Service interoperates with third-party services you choose to connect, which may include Intuit QuickBooks Online, Microsoft 365, Google Workspace, Twilio, and payment processors (together, “Connected Services”). By connecting a Connected Service you authorize us to access and exchange data with it on your behalf to provide the Service, and you represent that you have the right and any necessary authority and consents to do so — including authority over each mailbox, phone number, accounting company, and merchant account you connect.

Your use of each Connected Service remains subject to that provider’s own terms and privacy policy. We are not responsible for Connected Services or for changes a provider makes that affect the Service.

The Service lets you send emails and text messages and place telephone calls to your customers (“End Customers”) from your own connected accounts and numbers. You are solely responsible for the content of those communications and for complying with all laws applicable to your collections activity and communications, including without limitation the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), state debt-collection and telemarketing laws, CAN-SPAM, and all applicable call-recording and consent laws.

You are responsible for obtaining and maintaining any consents required to contact End Customers, to send them text messages, and to record calls, and for honoring opt-out and do-not-contact requests. You will not use the Service to send unlawful, harassing, deceptive, or unsolicited communications.

The Service includes features that use automated and artificial-intelligence tools — for example, to draft or refine message text and to transcribe or summarize call recordings. These outputs are generated by automated systems, may be inaccurate or incomplete, and are provided to assist you, not to replace your judgment. You are responsible for reviewing and approving any AI-assisted content before it is sent or relied upon.

Online card and ACH payments are processed by third-party payment processors, which may include Intuit / QuickBooks Payments, Sola / CardKnox, and USAePay. Horizon Consulting does not take custody of cardholder funds and does not store complete payment card numbers; card and bank details are tokenized by the processor.

The Subscriber (or its client) is the merchant of record for payments it accepts and is responsible for the applicable processor agreement, processing and interchange fees, chargebacks, refunds, and compliance with payment card network rules and applicable law. Amounts charged are computed and enforced by the Service on the server; you authorize the Service to initiate the charges and refunds you request or schedule, including recurring and automatic payments you or your End Customers enroll.

As between the parties, you retain all rights in the data you and your Authorized Users submit to, or that the Service imports on your behalf, including customer records, invoices, communications, and payment records (“Subscriber Data”). You grant Horizon Consulting a non-exclusive, worldwide license to host, copy, process, transmit, and display Subscriber Data solely to provide, secure, and improve the Service and as described in our Privacy Policy.

You represent that you have all rights and consents necessary to provide Subscriber Data to the Service and to have it processed as described.

You will not, and will not permit anyone to:

• use the Service in violation of law or third-party rights;
• upload malware or attempt to gain unauthorized access to the Service, other tenants’ data, or its underlying systems;
• probe, scan, or test the vulnerability of the Service except with our prior written consent;
• reverse engineer or copy the Service except as permitted by law;
• resell or provide the Service to third parties except as expressly permitted;
• interfere with the integrity or performance of the Service; or
• use the Service to send spam or otherwise unlawful communications.

We maintain logical separation between Subscribers’ data, and you may access only the data your account is authorized to access.

Access to the Service may be subject to subscription or usage fees as agreed between you and Horizon Consulting in a separate order, invoice, or written agreement. Except as required by law or expressly stated, fees are non-refundable. Third-party charges — such as payment-processing, telephony, and messaging fees — are billed as incurred and are your responsibility.

The Service, including its software, design, and content (excluding Subscriber Data), is owned by Horizon Consulting and its licensors and is protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Service during the term for your internal business purposes, subject to these Terms. All rights not expressly granted are reserved. Any feedback you provide may be used by us without restriction.

Each party may access the other’s confidential information in connection with the Service. Each party will protect the other’s confidential information with reasonable care and use it only to perform under these Terms, except for information that is public, independently developed, or required to be disclosed by law.

The Service is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or secure, that data will be accurate, or that AI-assisted outputs will be correct. The Service is not legal, financial, accounting, or tax advice.

To the maximum extent permitted by law, Horizon Consulting and its suppliers will not be liable for any indirect, incidental, special, consequential, or exemplary damages, or for lost profits, revenues, data, or goodwill, arising out of or related to the Service, even if advised of the possibility. Our total liability for all claims arising out of or related to the Service will not exceed the amounts you paid us for the Service in the twelve (12) months before the event giving rise to the claim.

Some jurisdictions do not allow certain limitations, so parts of the above may not apply to you.

You will defend, indemnify, and hold harmless Horizon Consulting from and against third-party claims, damages, and costs (including reasonable attorneys’ fees) arising out of or related to (a) Subscriber Data; (b) your communications with End Customers and your collections activities; (c) your use of the Service in violation of these Terms or applicable law, including the FDCPA, TCPA, and call-recording laws; or (d) your Connected Services and merchant accounts.

These Terms apply while you use the Service. We may suspend or limit access if we reasonably believe your use poses a security, legal, or operational risk or violates these Terms. Either party may terminate as set out in the applicable order or, absent one, on reasonable notice.

On termination, your right to use the Service ends. On request made within 30 days we will make Subscriber Data available for export where feasible, after which we may delete it in the ordinary course, subject to legal retention obligations and our Privacy Policy.

We may update the Service and these Terms. If we make material changes we will update the “Effective” date above and, where appropriate, provide notice. Your continued use after changes take effect constitutes acceptance.

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules. The exclusive venue for any dispute not subject to arbitration or small-claims court will be the state and federal courts located in Rockland County, New York, and the parties consent to personal jurisdiction there.

These Terms, together with any order or written agreement between the parties, are the entire agreement regarding the Service and supersede prior agreements on that subject. If any provision is unenforceable, the rest remains in effect. You may not assign these Terms without our consent; we may assign them to an affiliate or successor. Neither party is liable for delays caused by events beyond its reasonable control. Our failure to enforce a provision is not a waiver.

Questions about these Terms? Contact Horizon Consulting of Monsey Inc. at privacy@cadence-ar.com.