Terms of Service

Last updated: June 18, 2026

These Terms of Service ("Terms") govern your use of RevRecoup ("we," "us," "our"), our platform, and our debt recovery services. By creating an account, submitting accounts, working assigned files, or otherwise using RevRecoup, you agree to these Terms.

1. Services and Roles

RevRecoup provides receivables intake, evidence organization, collector routing, recovery workflow, and related debt recovery services. Businesses, creditors, sellers, and merchants that submit receivables are "Clients." Collection agencies, law firms, recovery specialists, and other recovery partners are "Collectors." Fees and remittances are governed by the applicable platform terms, assignment terms, or signed agreement.

2. Client and Merchant Responsibilities

3. Collector Responsibilities

4. Fees, Payouts, and Direct Payments

Fees, commissions, recovery economics, and remittance timing are governed by the applicable platform terms, assignment terms, or signed agreement. Recovered funds are reconciled before payout. If a Client receives a direct debtor payment or a Collector receives, controls, settles, or causes recovery of funds on a RevRecoup file, that party must promptly report the payment and ensure RevRecoup receives all fees, commissions, reimbursements, and other amounts owed.

5. Platform Communications

Clients, merchants, collectors, law firms, recovery partners, referral sources, and other introduced parties must keep substantive communications about submitted debts, assignments, evidence, settlements, payment routing, direct payments, status updates, fees, disputes, and recovery strategy in the RevRecoup platform or promptly memorialize those communications in the platform. You may not move communications off-platform to hide activity, fees, solicitations, direct payments, settlements, or circumvention.

6. Non-Circumvention

RevRecoup's value includes the introductions, matches, data, workflow, and recovery relationships it creates. You may not directly or indirectly solicit, hire, contract with, pay, receive payment from, refer work to, service, or do business with any client, merchant, collector, law firm, recovery partner, referral source, debtor, or other party introduced, matched, surfaced, or made known through RevRecoup outside the platform without RevRecoup's prior written authorization. This restriction includes use of affiliates, subcontractors, employees, agents, related companies, alternate accounts, personal email, messaging apps, or other intermediaries to work around RevRecoup.

For each incident of circumvention, you agree to pay RevRecoup liquidated damages equal to the greater of US$50,000 or five years of projected RevRecoup fees from the circumvented relationship, plus investigation and enforcement costs, to the fullest extent permitted by law. These amounts are intended as a reasonable pre-estimate of loss and not as a penalty. RevRecoup may also seek injunctive relief, specific performance, and other equitable remedies without posting bond.

7. No Unauthorized Third-Party Advertising or Solicitation

You may not advertise, promote, market, sell, refer, or solicit third-party products or services to any RevRecoup client, merchant, collector, law firm, recovery partner, referral source, debtor, platform user, or contact obtained through RevRecoup without RevRecoup's prior written permission. Unauthorized promotions include competing recovery services, legal services outside an approved engagement, financing, payment products, data products, affiliate offers, side deals, lead-generation requests, and similar third-party services.

For each unauthorized advertisement, solicitation, referral, or promotion, you agree to pay RevRecoup liquidated damages equal to the greater of US$25,000 or three times the gross revenue, fees, commissions, or value generated or sought from the promotion, plus investigation and enforcement costs, to the fullest extent permitted by law.

8. Compliance

All parties must comply with the Fair Debt Collection Practices Act (FDCPA) and all other applicable federal, state, local, and international laws. You warrant that information, files, communications, collection activity, payments, remittances, and services you provide through RevRecoup comply with applicable law.

IMPORTANT - PLEASE READ SECTIONS 9, 10, AND 11 CAREFULLY. They limit legal rights, including how disputes are resolved and the maximum amount recoverable from RevRecoup.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS, OUR SERVICES, OR ANY ACCOUNT PLACED WITH US — WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY — SHALL NOT EXCEED THE TOTAL PROFIT (I.E., NET FEES RETAINED BY REVRECOUP) ACTUALLY COLLECTED AND RETAINED BY US FROM YOUR ACCOUNTS UNDER THESE TERMS.

This cap applies under any and all circumstances and regardless of the form, basis, or cause of the claim. In no event shall we be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost goodwill, or lost data, even if we have been advised of the possibility of such damages.

10. Binding JAMS Arbitration and Costs

YOU AND REVRECOUP AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR OUR SERVICES — WHETHER BASED IN CONTRACT, TORT, STATUTE, FRAUD, MISREPRESENTATION, OR ANY OTHER LEGAL THEORY — SHALL BE RESOLVED EXCLUSIVELY THROUGH FINAL AND BINDING INDIVIDUAL ARBITRATION, NOT IN COURT.

Arbitration shall be administered by JAMS under its Comprehensive Arbitration Rules and Procedures. The arbitration seat and venue shall be Miami-Dade County, Florida, unless RevRecoup agrees in writing to remote proceedings or another location. The arbitration shall be conducted in English by a single arbitrator. The arbitrator's decision shall be final and binding, and judgment may be entered on the award in any court of competent jurisdiction.

To the fullest extent permitted by law, the prevailing party in any arbitration, court proceeding, collection action, or enforcement action is entitled to recover all reasonable costs and expenses, including attorneys' fees, expert fees, JAMS fees, arbitrator fees, court costs, filing fees, collection costs, investigation costs, and costs to confirm, enforce, or collect an award or judgment.

You agree that, by agreeing to these Terms, you and RevRecoup are each waiving the right to a trial by jury or to participate in a class action.

11. No Class Actions — Individual Claims Only

YOU AND REVRECOUP AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding. If a court or arbitrator decides that this class-action waiver is unenforceable as to any particular claim, then that claim (and only that claim) must be severed from the arbitration and brought in court, while all other claims remain subject to arbitration.

12. Termination and Survival

Either party may terminate the service relationship in accordance with the applicable client service agreement, collector agreement, assignment terms, or platform terms. Fees earned on accounts collected before or after termination remain payable per the applicable agreement. Confidentiality, payment reconciliation, direct-payment reporting, data protection, platform-communication duties, non-circumvention, unauthorized-advertising restrictions, arbitration, prevailing-party cost recovery, limitation of liability, and accrued payment obligations survive termination.

13. Governing Law

These Terms are governed by the laws of the State of Florida, United States, without regard to its conflict-of-laws principles. Except for arbitration proceedings governed by the Federal Arbitration Act, the state and federal courts located in Miami-Dade County, Florida shall have exclusive jurisdiction over matters not subject to arbitration and over provisional, injunctive, confirmation, enforcement, and collection proceedings.

14. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated through the platform or by email. Continued use of our services after the effective date of an update constitutes acceptance.

15. Contact

Questions about these Terms? Email us at support@revrecoup.com.