Terms of Use
These terms are an agreement between you and GetPaid.Tools (“GetPaid”, “we”, “us”), which operates the website at getpaid.tools (the “Site”) and the free tools on it. By ticking the acceptance box, or by using the Site, you agree to them. If you do not agree, please do not use the Site.
The acceptance box sits on the registration form, and registering is a notice, not a security barrier. Registering is not required to reach everything here, the form is part of the page and so can be bypassed — with scripting turned off, by an automated client, or in the moment before the page finishes loading — and we make no claim that it stops anyone reaching the Site. That is why these terms govern your use of the Site whether or not you have registered, and why we treat the record we keep of an acceptance, rather than the form itself, as the evidence of it.
1. What the Site is
GetPaid publishes free reference tools and compiled source material for people who work in accounts receivable management and debt collection — among them a statute-of-limitations calculator and Compliance Research Tools, a library of federal and state collections authority. The Site is a research and reference aid. It is not a compliance program, not a system of record, and not a substitute for professional judgment.
2. The Site is information, not legal advice
Nothing on the Site is legal advice, and nothing on it is a legal opinion. We are not your lawyers. Using the Site, contacting us, or submitting your name and email address does not create an attorney-client relationship, and no confidential or privileged relationship arises from anything you do here.
Statutes, regulations, agency interpretations and case law change, are amended, are superseded, and are read differently by different courts. A limitations period or a procedural rule that is correct in one jurisdiction, for one debt type, on one set of facts, may be wrong on facts that look very similar. The Site cannot know your facts.
3. Your duty to verify
You are responsible for confirming that anything you take from the Site is accurate, current and applicable before you rely on it. Where the Site quotes or cites a statute, regulation or case, verify it against the official source — the legislature, the agency, or the court — and confirm it is still in force and has not been amended or superseded.
Where the Site marks an item as unverified, pending, or requiring attorney review, treat that flag as part of the answer. It means the underlying authority could not be confirmed from an official source, and the item must not be relied on without independent research.
4. Confer with an attorney
Before you act on anything from the Site in a live account, a communication to a consumer, a filing, or a compliance decision, review it with an attorney licensed in the relevant jurisdiction who is familiar with your circumstances. Collections work is governed by overlapping federal and state law and carries statutory penalties; the cost of getting it wrong is borne by you, not by us.
5. No warranty
The Site and everything on it are provided “as is” and “as available”, without warranties of any kind, whether express, implied or statutory. We specifically disclaim any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranty that the content is accurate, complete, current, error-free, or that the Site will be uninterrupted or secure.
We do not warrant that any calculation, citation, quotation, date or classification produced by the Site is correct. Some of the content is compiled with the assistance of automated tools and artificial intelligence, and it may contain errors.
6. Limitation of liability
To the maximum extent permitted by law, GetPaid and its owners, members, officers, employees and contractors will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any lost profits, lost business, lost data, regulatory penalties, statutory damages, settlement costs or legal fees, arising out of or relating to your use of, or inability to use, the Site — whether the claim is brought in contract, tort, statute or otherwise, and even if we have been advised that such damages were possible.
To the maximum extent permitted by law, our total aggregate liability for all claims relating to the Site will not exceed one hundred US dollars (US $100). The Site is provided free of charge, and this cap reflects that.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages. Where that is the case, the exclusions and limits above apply to the fullest extent the law allows.
7. Acceptable use
You agree not to:
- use the Site in a way that breaks any applicable law, including the FDCPA, Regulation F, the FCRA, the TCPA, and state collections and privacy statutes;
- scrape, harvest, or systematically copy the Site’s content for redistribution or for a competing product;
- attempt to interfere with, overload, probe or gain unauthorised access to the Site or the systems behind it;
- present output from the Site to a consumer, a court, a client or a regulator as legal advice or as a compliance determination made by us; or
- register with someone else’s name, email address or employer as if it were your own.
8. Information you give us, and information you must not
You confirm that the name and email address you enter are your own and are accurate. We record them together with the date, time and IP address of your acceptance — see the Privacy Policy for exactly what we log and for how long.
Do not enter consumer or debtor personal information into the Site. The tools are designed to work from dates and categories rather than from identified individuals, and we do not want, and do not knowingly accept, consumer personal information. If you enter it anyway, you do so on your own responsibility and contrary to these terms.
9. Intellectual property
The Site’s design, code, compilations, organisation and original commentary are owned by GetPaid and protected by copyright. Statutes, regulations and judicial opinions quoted on the Site are government works and are not claimed by us; our selection, arrangement, annotation and citation mapping of that material are. You may use the Site and print or save individual pages for your own internal reference. You may not republish the Site’s compilations as a product of your own.
10. Third-party sources and links
The Site links to legislatures, agencies, courts and other third-party sources. We do not control those sites, we are not responsible for their content or availability, and a link is not an endorsement. When a linked official source and the Site disagree, the official source governs.
11. Changes to the Site and to these terms
We may change, suspend, or withdraw any part of the Site at any time, including removing a tool while it is under review. We may also revise these terms. When we make a substantive change we increase the terms version number, and you will be asked to read and accept the revised terms the next time you visit. The version in force is shown at the top of this page and on the acceptance screen.
12. Termination
We may withdraw access to the Site from anyone who breaches these terms, without notice. Sections 2 through 10 survive the end of your use of the Site.
13. Governing law and disputes
These terms are governed by the laws of the United States and of the state in which GetPaid is organised, without regard to conflict-of-laws rules, and any dispute arising from them or from the Site will be brought in the state or federal courts with jurisdiction over that state.
14. Contact
Questions about these terms: hello@getpaid.tools.