1. Service description
Syntharra (“we”, “us”, “Syntharra”) is a service of Syntharra Limited, a company incorporated in Ireland. We provide an AI-assisted invoice follow-up service. We connect to your accounting software (QuickBooks, Xero, FreshBooks, Square, Zoho Books, Jobber, or similar), identify overdue invoices, and place automated voice calls and text messages to your invoice recipients to request payment on your behalf. We act under your direct authority as the original creditor; we do not purchase, own, assign, or take title to your invoices.
2. Fees and billing
Syntharra charges a success fee equal to 10% of the amount recovered on each invoice where our service contributed to payment. “Recovered” means the invoice status transitions to paid in your connected accounting system after we have contacted the invoice recipient at least once. There is no monthly fee, no upfront fee, and no charge for invoices we do not recover.
Fees are collected automatically via Stripe Connect when the invoice recipient pays through a payment link we generated. If the invoice recipient pays your invoice through a different channel after we have contacted them, you authorize us to invoice you for the 10% success fee, payable within 14 days of our invoice date.
Fee changes will be notified by email at least 30 days before they take effect and require your renewed acceptance through the dashboard. Continued use of the service after the effective date of a fee change constitutes acceptance.
3. Your authorizations and warranties
By accepting these terms during onboarding you represent, warrant, and authorize that:
- Authority. You are at least 18 years old and have the legal authority to enter into this agreement on behalf of your business.
- First-party invoices only. Every invoice you submit for follow-up arises from a direct commercial relationship between your business and the invoice recipient. You have not purchased, acquired by assignment, or taken on the invoice from a third party. Charged-off, written-off, or sold accounts are not eligible for this service.
- Phone number provenance. Each invoice recipient phone number in your accounting system was provided to your business directly by that recipient for the purpose of commercial communication relating to the invoice or the underlying transaction.
- Consent to be contacted by AI voice and SMS. You represent that, to the extent required by 47 U.S.C. § 227, 47 CFR § 64.1200, FCC Declaratory Ruling FCC 24-17 (February 2024), and any applicable state law, you have obtained from each invoice recipient the level of consent required to permit a non-telemarketing, transactional AI-assisted voice call and SMS message about that recipient’s outstanding invoice. Where you have not obtained that level of consent for a particular recipient, you must not submit that recipient for AI-assisted contact and you must use our human-only contact option for that account.
- DNC status. None of the invoice recipient phone numbers you submit are on any internal Do Not Call list that you maintain, and none have asked you or any party acting on your behalf to stop contacting them.
- Authorization to act on your behalf. You authorize Syntharra to place AI-assisted voice calls and SMS messages to your invoice recipients during compliant hours (9am-8pm in the recipient’s local time, weekdays only, US federal holidays excluded), identifying itself as calling on your behalf about a specific outstanding invoice. You authorize Syntharra to record those calls for the purposes set out in Section 9 and in our Privacy Policy.
- Authorization to bill. You authorize Syntharra to deduct the 10% success fee from recovered payments via Stripe Connect or, where that is not possible, to invoice you separately under Section 2.
- B2B-only service. Syntharra is designed and offered exclusively for business-to-business invoice follow-up. You warrant that every invoice recipient you submit is a business, not an individual consumer. Where a recipient is a sole proprietor or other natural person operating a business in their own name, you must still warrant that the contact is for a business purpose tied to a commercial transaction. If you are uncertain whether a recipient qualifies as a business contact under applicable consumer-protection law, do not submit that recipient.
- Acceptable use. You agree to be bound by our Acceptable Use Policy, which is incorporated into these terms by reference.
The warranties in this Section 3 are continuing warranties. You renew them every time you connect, reconnect, or sync your accounting system, and every time an invoice is queued for contact.
4. Our compliance posture
First-party service, not third-party debt collection. Syntharra operates as a first-party invoice follow-up service. We act under your direct authority as the original creditor. We do not purchase, own, assign, or take title to any invoice. Funds collected flow directly to your Stripe Connect account; we never hold client funds. On this basis we do not consider ourselves a “debt collector” within the meaning of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692a(6), or analogous state laws. The classification of any particular contact under the FDCPA is fact-specific; nothing in this paragraph is a guarantee or a legal opinion.
TCPA and state telemarketing laws. Every outbound AI voice call begins with a clear audible disclosure: that the call may be recorded, and that the caller is an AI assistant calling on behalf of the named client. For calls placed to numbers in jurisdictions requiring all-party recording consent (currently California, Connecticut, Florida, Illinois, Maryland, Massachusetts, Montana, Nevada, New Hampshire, Pennsylvania, and Washington), the disclosure is expanded and the call gives the recipient an opportunity to refuse recording before continuing. We honour Do Not Call requests instantly and globally across all clients. We do not initiate AI-assisted calls outside the call window defined in Section 3.
EU and UK data protection. Where an invoice recipient is located in the EEA or the UK, the additional protections in our Privacy Policy and the Recipient Privacy Notice apply, including the information set required by Article 14 of the GDPR.
5. Your data and data protection
We access your accounting data, invoice data, and invoice-recipient contact details strictly to identify overdue invoices and contact recipients on your behalf. We do not sell, resell, or share your data with third parties except for the service providers listed at /legal/subprocessors, each of which we engage under a written data processing agreement.
For data we process about EEA, UK, or California residents on your behalf, the Data Processing Agreement is incorporated into these terms by reference. Where you are established in or process the personal data of residents of those jurisdictions, the DPA applies between us in addition to these terms. See also the Privacy Policy for a full description of categories of data, legal bases, retention periods, and your rights.
6. Term, suspension, and termination
These terms begin on the date you first accept them and continue until terminated. You may pause or terminate your account at any time by emailing support@syntharra.com or, where available, through the dashboard. Cancellation takes effect immediately on our receipt and stops all queued and in-progress contacts. We may suspend or terminate your account on written notice if you breach these terms or the Acceptable Use Policy, if continued service would expose Syntharra to legal or regulatory risk, or if a sub-processor we depend on terminates our access.
On termination: we stop all calls and messages immediately; we delete your account data and invoice-recipient contact data within 30 days, except (a) billing records we are required to retain by law (typically 6 years under Irish tax law, 7 years under US federal tax law), and (b) call recordings and transcripts, which we retain for the period set out in the Privacy Policy for the purpose of defending statutory claims under 47 U.S.C. § 227 (TCPA) and analogous state laws. We will delete recordings earlier on documented written request if applicable retention is no longer required.
7. Disclaimers and limitation of liability
Disclaimers. The service is provided “as is” and “as available”. We make no guarantee that any specific invoice will be recovered, that any specific call will succeed, or that the underlying AI, telephony, or accounting integrations will be available at all times. We do not represent that recoveries achieved through the service will exceed any particular benchmark.
Limitation of liability. To the maximum extent permitted by law, the aggregate liability of each party under or in connection with these terms in any 12-month period is limited to the greater of (a) the total success fees you paid us in the preceding 12 months, or (b) five hundred euro (€500). This cap applies per dispute and across all related claims arising from a common set of facts; it does not aggregate further across unrelated disputes.
Carve-outs. Nothing in this section limits or excludes liability for: (i) death or personal injury caused by negligence; (ii) fraud or fraudulent misrepresentation; (iii) wilful misconduct or gross negligence; (iv) breach of the confidentiality, data protection, or indemnification obligations under these terms or the DPA; (v) regulatory fines or penalties levied on Syntharra arising from Syntharra’s own breach of applicable law (the cap does not apply to such fines, which are by their nature outside the contractual relationship between the parties); or (vi) any other liability that cannot be excluded or limited by applicable Irish law or by mandatory law in the jurisdiction of the affected party.
No indirect damages. Neither party is liable for loss of profits, loss of business, loss of goodwill, loss of revenue, loss of anticipated savings, or any indirect, special, or consequential loss, except where excluding such loss is impermissible under applicable law.
8. Dispute resolution and governing law
Informal resolution. Before either party files any formal proceeding, the parties agree to attempt to resolve the dispute informally for at least 30 days after written notice describing the dispute, the relief sought, and the basis for that relief. This requirement does not apply to claims for urgent injunctive relief.
Governing law. These terms are governed by the laws of Ireland, without regard to its conflicts-of-laws principles.
Forum for client disputes. Any dispute between you and Syntharra arising under or in connection with these terms is subject to the exclusive jurisdiction of the courts of Ireland, subject to the arbitration option below for US-resident clients.
Optional arbitration for US-resident clients. If you are a US-resident business client and the amount in controversy is less than US$100,000, either party may elect to resolve the dispute by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Wilmington, Delaware. Election is made by written notice within 30 days of the informal resolution period above. Arbitration is on an individual basis only; both parties waive any right to participate in a class, collective, or representative action against the other in connection with these terms, except where such waiver is unenforceable under applicable law.
Compliance with mandatory US law. Nothing in this Section 8 limits either party’s ability or obligation to comply with the Telephone Consumer Protection Act, the Fair Debt Collection Practices Act, or any state-level consumer-protection or telemarketing law, or limits the rights of third parties (including invoice recipients) who are not parties to this agreement and whose claims against us are not subject to this forum-selection or arbitration clause.
US service of process. Before initiating commercial service in the United States, Syntharra will appoint a US registered agent for service of process. The appointment status, agent name, and address are published at /legal/subprocessors and updated when changed.
9. Intellectual property and use of call data
Your data. You retain all ownership of your invoice data, customer contact information, and accounting records. You grant us a non-exclusive, worldwide, royalty-free licence to access, use, store, and transmit that data only to the extent necessary to deliver the service to you.
Our platform. Syntharra retains ownership of the platform, software, call scripts, models, and any improvements or derivative works we create.
Use of call data for service improvement. Call recordings and transcripts may be used by Syntharra in de-identified, aggregated form to improve call scripts and AI model performance. De-identification means: (i) removal of personal names, phone numbers, email addresses, postal addresses, and any unique identifiers; (ii) removal or numerical bucketing of invoice amounts and dates; (iii) no retention of voice biometrics or voiceprints for the purpose of identifying any speaker. We do not share raw recordings with any third party for the purpose of training that third party’s general-purpose AI models. We may share de-identified, aggregated transcripts with our service-improvement sub-processors listed at /legal/subprocessors, who are bound by written agreements prohibiting onward use for their own model training.
Opt-out. You may opt your account out of all secondary use of call data for service improvement by selecting that option in the dashboard. Opt-out takes effect from the date selected and is not retroactive; recordings already used for service improvement before opt-out cannot be unwound.
10. Acceptable use
Your use of the service is governed by our Acceptable Use Policy, which we may update from time to time. The AUP prohibits, among other things: contacting individuals who have not provided their phone number for business communication relating to the underlying invoice; harassment or threatening conduct; circumventing any Do Not Call registry or our internal DNC list; submitting purchased, assigned, charged-off, or written-off accounts; or using the service in any industry or for any purpose specifically listed as prohibited in the AUP. We reserve the right to suspend or terminate accounts that violate the AUP.
11. Mutual indemnification
You indemnify us. You agree to indemnify, defend, and hold harmless Syntharra and its officers, directors, employees, and agents from any third-party claim, damage, fine, or cost (including reasonable legal fees) arising from: (a) your breach of these terms or the AUP; (b) any claim that we contacted an invoice recipient based on data, instructions, or warranties that you provided that turned out to be inaccurate, incomplete, or in breach of applicable law; (c) your use of the service in a manner that violates any applicable telemarketing, consumer-protection, debt-collection, or data- protection law; or (d) any claim by an invoice recipient that you, as the original creditor, did not have lawful authority to engage a third party to contact them.
We indemnify you. Syntharra agrees to indemnify, defend, and hold harmless you and your officers, directors, and employees from any third-party claim, damage, fine, or cost (including reasonable legal fees) directly arising from: (a) Syntharra’s material failure to deliver, in substantially the agreed form, the AI-identification disclosure or call-recording notice on calls we placed on your behalf; (b) infringement by the Syntharra platform of any third party’s intellectual property right (excluding claims arising from the data or instructions you provided); or (c) Syntharra’s own breach of applicable data-protection law in its capacity as a controller or processor of your data.
Process. The indemnified party must promptly notify the indemnifying party of any claim, cooperate at the indemnifying party’s reasonable expense in the defence, and not settle without the indemnifying party’s consent (not to be unreasonably withheld). The indemnifying party controls the defence and settlement subject to the indemnified party’s right to participate at its own expense.
Sub-processor failures. Where a claim arises substantially from the act or omission of a sub-processor listed at /legal/subprocessors, Syntharra’s indemnification obligation is limited to amounts Syntharra is itself able to recover from that sub-processor, except where Syntharra failed to exercise reasonable diligence in the selection or monitoring of that sub-processor.
12. Changes to these terms
Notice. We may revise these terms. Material changes (changes to the fee rate; changes to your authorizations under Section 3; changes to liability, indemnity, or dispute-resolution provisions; changes to data-protection commitments) will be notified to you by email at least 30 days before they take effect.
Re-acceptance. Material changes require your affirmative re-acceptance, which we collect by email reply and (where available) by an in-dashboard acceptance flow, before the new version takes effect for you. Continued use of the service after the effective date constitutes acceptance only for non-material changes and only where re-acceptance is not separately required by applicable consent law. Non-material changes (typo fixes, clarifying language, updates to the sub-processor list as described in the DPA) take effect on publication.
Versioned archive. Past versions of these terms remain available at syntharra.com/terms/v[version-number] for at least seven (7) years after their superseding date.
13. Notices
Notices to you may be given by email to the address associated with your account or by a clear notice in the dashboard. Notices to Syntharra must be given by email to legal@syntharra.com, with delivery presumed on the next business day. Either party may update its notice address by written notice to the other.
14. Force majeure
Neither party is liable for any failure or delay in performance to the extent caused by events beyond its reasonable control, including acts of God, war, civil unrest, government action, pandemic, internet or telecommunications outage attributable to a third party, or material failure or unscheduled unavailability of a sub-processor listed in the Privacy Policy or Sub-processor List. The affected party must give prompt notice of the event and use reasonable efforts to mitigate. This section does not excuse payment obligations for fees already accrued.
15. Severability and waiver
If any provision of these terms is held invalid or unenforceable, that provision is severed and the remaining provisions remain in full effect. A failure or delay in enforcing a provision is not a waiver of it; a waiver is effective only if given in writing.
16. Entire agreement and order of precedence
These terms, together with the Privacy Policy, the Data Processing Agreement, the Acceptable Use Policy, and the Sub-processor List, are the entire agreement between you and Syntharra and supersede all prior agreements on the same subject matter. In the event of conflict, the order of precedence is: (1) DPA; (2) these terms; (3) AUP; (4) Privacy Policy. The Sub-processor List is informational.
17. Contact
General questions: support@syntharra.com. Legal notices and data-protection matters: legal@syntharra.com.