Terms of Service

The agreement for your use of the Paidnice platform.

Last updated 30 October 2026

1. Introduction & Agreement

Welcome to Paidnice, provided by Paidnice Limited ("Company," "we," "us," or "our"), a New Zealand registered company located at C/O 14537, Unit A Level Ground, 26 Hobson Street, Auckland Central, Auckland 1010, New Zealand. By using our services, including our website (paidnice.com) and the related software platform, you ("User" or "you") agree to be legally bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must discontinue use of Paidnice services immediately.

These Terms apply to all users, including individuals and entities accessing Paidnice globally. Your use of Paidnice services is conditioned upon your acceptance of these Terms and any supplemental agreements (such as privacy policies or other contractual arrangements) which may be posted and updated from time to time.

2. Definitions

  • "Services": All features, content, and services provided by Paidnice through its website, platform, or third-party integrations, including the automation of accounts receivable, reminders, invoice management, the customer portal, the Calling Features, the AI Features, the API, and other related functions.
  • "AI Features": Any part of the Services that uses artificial intelligence or machine learning, including the in-app assistant, the AI agent that replies to your customers, call transcripts and summaries, drafted emails, suggestions and insights.
  • "Calling Features": The features that let your users place voice calls to your customers from the Services, together with the phone numbers, call recordings, transcripts and summaries that go with them.
  • "API": The Paidnice public REST API, the Paidnice MCP (Model Context Protocol) server, API tokens, and any connection that lets software or an AI agent outside Paidnice read or change your data.
  • "Usage Charges": Charges billed on top of your subscription according to how much you use a feature, such as SMS messages, call minutes, phone numbers and transcription.
  • "Account": A User's registered account with Paidnice that grants access to our Services.
  • "Content": Any text, graphics, images, data, or other materials provided through the Services by Paidnice or the User.
  • "User": Any person or entity who accesses or uses the Services.
  • "Third-Party Services": Services provided by external partners such as Xero, QuickBooks, Stripe, and others that integrate with Paidnice.
  • "You": The User, whether an individual or entity, accessing and using Paidnice Services.
  • "Confidential Information": All non-public information disclosed by Paidnice to the User or vice versa, either in writing, verbally, or by other means, that is designated as confidential, or that a reasonable person would understand to be confidential given the nature of the information and the circumstances of disclosure. Confidential Information excludes information that is or becomes publicly known without breach of these Terms, or is received from a third party without breach of any obligation of confidentiality.

3. Use of Services

By creating an account and accessing Paidnice Services, you are granted a non-exclusive, revocable, limited license to use the Services for your internal business operations. This license does not grant you the right to transfer, sublicense, or commercially exploit any part of the Services outside of your authorized use.

Eligibility

You must be at least 18 years old (or the age of legal majority in your jurisdiction) to use Paidnice. If you are using Paidnice on behalf of an entity, you represent that you are authorized to bind the entity to these Terms.

Prohibited Use

You agree not to:

  • Engage in any activity that violates applicable laws or regulations.
  • Use the Services for fraudulent purposes.
  • Access, copy, or distribute any part of the Services using unauthorized automated means (such as bots, scrapers, or crawlers).
  • Upload, transmit, or distribute viruses or other malicious software through the Services.
  • Bypass, disable, or interfere with any security-related features of the Services.
  • Resell, reproduce, or publicly display any part of the Services without written consent from Paidnice.
  • Use the Calling Features, SMS or the AI Features to contact a person you are not permitted to contact, or to send content that is unlawful, threatening, harassing, misleading or defamatory.
  • Attempt to make the AI Features act outside their intended purpose, including by prompt injection, by trying to extract their instructions, or by using them to generate content unrelated to your own accounts receivable.
  • Use the API in a way that exceeds its documented rate limits, circumvents access controls, or extracts data for a purpose other than your internal business operations.

Violation of these prohibited uses may result in the suspension or termination of your account, at our sole discretion

Intellectual Property and Reverse Engineering Prohibition

You agree not to reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, algorithms, or underlying infrastructure of Paidnice. Any violation of this provision may result in the immediate suspension or termination of your account and may subject you to further legal action.

4. Purchases, Subscriptions & Payment

Paidnice Services are provided on a subscription basis, and by subscribing, you agree to the payment terms associated with your plan.

Payment Terms
  • Payment Methods: Paidnice accepts major credit cards (Visa, Mastercard, American Express) via our payment service provider Stripe.
  • Billing: You will be billed according to the subscription plan you select, either monthly or annually. Recurring billing will be automatically applied unless you cancel your subscription before the renewal date.
  • Currency: All payments are processed in U.S. dollars, unless otherwise specified.
  • Sales Tax: Applicable sales tax may be added to your subscription fees, based on local laws.
Usage Charges

Some features carry Usage Charges on top of your subscription. SMS messages are charged per message. Calls are charged by duration at the rate shown in the Services when you place the call, and a call that rings your own phone first is charged for both legs. Phone numbers are charged for as long as you hold them, and call transcription is charged by audio duration. Current rates are shown in the Services and on our pricing page, and may change where the underlying carrier or provider changes its pricing. Usage Charges are billed to your payment method in arrears, and remain payable after cancellation for usage before the cancellation took effect. You can cap SMS spend with the monthly SMS limit on your Billing page. Paidnice may suspend a feature that carries Usage Charges where payment fails.

Free Actions on Sign Up

Paidnice does not offer a time-limited free trial. When you create an account you receive 20 free actions. An "action" includes any automated process such as sending a reminder, applying a late fee, generating a statement, or similar accounts receivable automation triggered through the Services. There is no time limit on when you use those 20 actions, and no charge applies to them.

Once the 20 free actions are used, access to the core functionality of the Services, including the ability to trigger further actions, is restricted. To continue using the Services without restriction, you must select and purchase a plan through your Paidnice account settings. Your account will not convert to a paid subscription, and you will not be billed, without your explicit action to upgrade.

Subscription Cancellation

You may cancel your subscription at any time via your Paidnice account. Your cancellation will take effect at the end of your current billing cycle, and you will retain access to the Services until that period ends.

5. Account Management & Security

Account Creation

To use Paidnice Services, you must create an account by providing accurate and complete registration information, including your name, email address, company details, and payment method. You agree to maintain the accuracy of this information and promptly update it when necessary.

Account Security

You are responsible for safeguarding your account login credentials and for any activity performed through your account. You agree to notify us immediately if you suspect unauthorized access or use of your account. Paidnice will not be liable for any losses or damages caused by unauthorized access resulting from your failure to maintain the security of your credentials.

Account Termination

Paidnice reserves the right to suspend or terminate your account at any time if you breach these Terms or engage in any prohibited activities. Upon termination, your access to the Services will be disabled, and you may lose any data associated with your account, except as required by applicable law.

Account Sharing

Each Paidnice account is limited to the individual or entity that has registered for the Services. You agree not to share your account credentials with others or allow others to access the Services through your account. Paidnice reserves the right to suspend or terminate accounts suspected of being shared without prior written consent.

6. User Contributions & Data

User-Generated Content

By submitting feedback, ideas, suggestions, or other content ("Contributions") to Paidnice, you grant Paidnice an irrevocable, perpetual, non-exclusive, royalty-free license to use, modify, display, distribute, and reproduce these Contributions for any lawful purpose, including product improvements, without compensation to you. You acknowledge that Paidnice has no obligation to use or publish your Contributions.

Data Provided Through Integrations

Paidnice integrates with third-party accounting platforms such as Xero and QuickBooks to provide automated accounts receivable services. By using these integrations, you agree that Paidnice will access and process data from these platforms (e.g., invoices, payment information) to perform the Services. Paidnice is not responsible for the accuracy or content of data provided by third-party platforms and any use of such data is at your own risk.

Data Retention & Security

Paidnice uses industry-standard security measures to protect your data, including encryption and access controls. While Paidnice takes reasonable steps to safeguard your information, no method of transmission over the internet is entirely secure, and Paidnice cannot guarantee absolute security. In the event of a data breach, Paidnice will notify affected users in accordance with applicable data protection laws.

Your data will be retained for as long as necessary to provide the Services or as required by law. Upon account termination, data will be securely deleted or anonymized, except where retention is required for legal compliance.

Prohibited Contributions

You agree not to submit any Contributions that violate any applicable laws or regulations, infringe on the rights of others, or include any defamatory, obscene, or harmful content. Paidnice reserves the right to remove any Contributions that it deems to violate this clause, without prior notice.

6A. Communications Sent to Your Customers

The Services send messages to your customers on your behalf. Depending on the features you enable, those messages may be sent by email, SMS text message, printed letter, voice call placed by one of your users through the Calling Features, or a reply drafted and sent by the AI agent (see section 6C). You choose which channels are enabled, which recipients are contacted, how often they are contacted, and what each message says. Paidnice provides the delivery mechanism only.

Your Warranties

You represent and warrant, on a continuing basis, that for every recipient you contact through the Services you hold every notice, consent, permission, registration and lawful basis required by the laws that apply to you and to that recipient. This includes, where applicable:

  • United States: the Telephone Consumer Protection Act and its implementing rules, including prior express written consent where required for autodialled, prerecorded or artificial voice calls and for SMS; messaging campaign registration such as A2P 10DLC; state telemarketing and mini-TCPA statutes; and maintenance of your own do-not-call and do-not-contact records.
  • Call recording: all-party consent requirements in jurisdictions that impose them, including California, Florida, Illinois, Pennsylvania and Washington.
  • Canada: Canada's Anti-Spam Legislation, including express or implied consent, sender identification, and a working unsubscribe mechanism.
  • United Kingdom and European Union: the Privacy and Electronic Communications Regulations and equivalent ePrivacy rules, a lawful basis under the UK GDPR or GDPR, and the transparency obligation in Article 50 of the EU Artificial Intelligence Act to inform a person that they are interacting with an artificial intelligence system.
  • Australia: the Spam Act 2003 (Cth) and the Do Not Call Register Act 2006 (Cth).
  • New Zealand: the Unsolicited Electronic Messages Act 2007.

Voice Calls, Recording and Transcription

Calls placed through the Calling Features are placed by you or your users, from your browser or by Paidnice ringing your own phone first and then dialling your customer. Nothing is dialled until a user starts the call. Every answered call is recorded from the moment your customer answers, and the recording is then transcribed and summarised by the AI Features. Call audio, transcripts, summaries and metadata (such as the numbers, time and duration) are stored in your account.

Paidnice does not play a recording announcement or any other notice to your customer. You are responsible for telling the recipient that the call is recorded, and for obtaining any consent required, before the recording begins, in every jurisdiction you call. Paidnice shows a warning for contacts you have marked Do Not Call but does not block the call. You remain responsible for your own do-not-call records.

If Paidnice offers automated voice calls that are placed or conducted by an artificial intelligence system and you enable them, you acknowledge that your customer is speaking with an artificial intelligence system, and you are responsible for making the disclosures and holding the consents that this requires, including under Article 50 of the EU Artificial Intelligence Act where it applies.

Collection Conduct

You are responsible for ensuring that the content, frequency and timing of the messages you configure comply with the debt collection, consumer credit, fair trading and unfair contract terms laws that apply to you and to each recipient, including the Fair Debt Collection Practices Act and Regulation F where they apply to you in the United States. Paidnice does not act as a debt collector on your behalf and does not provide legal advice on late fees, interest rates, or collection conduct.

Opt-Outs and Suppression

You must honor every opt-out, unsubscribe, stop and do-not-contact request you receive, and must promptly suppress that recipient in the Services or in your connected accounting platform.

Suspension

Paidnice may suspend or disable any messaging channel immediately and without notice where Paidnice reasonably believes that messages sent at your direction breach applicable law, breach a carrier, network or provider policy, or place Paidnice's messaging infrastructure or sender reputation at risk.

Indemnity

You will indemnify, defend and hold harmless Paidnice, its affiliates, directors, officers, employees and agents against any claim, penalty, fine, damage, loss, liability, cost and expense, including reasonable legal fees, arising out of or related to (i) any message sent through the Services at your direction; (ii) your failure to hold a required consent or registration, or to honor an opt-out; (iii) the content, frequency or timing of the communications you configure; (iv) any call placed, recorded or transcribed through the Calling Features; or (v) your breach of this section 6A, 6B or 6C. This indemnity is not subject to the liability cap in section 10.

6B. Phone Numbers

You may buy phone numbers through the Services to use as the caller ID for your calls. Paidnice provisions those numbers from a telecommunications provider on your instruction and holds them in an account dedicated to your organisation. The number is licensed to you for use through the Services. You do not own it, and it cannot be ported to another provider.

Some countries require your business details, address and supporting documents before a number can be issued. You warrant that everything you submit is accurate and current, and you will update it when it changes. The provider or the regulator may reject an application, or require a number to be returned, and Paidnice is not liable where that happens. Paidnice may also limit how many numbers you can hold in each country.

Numbers bought through the Services are for outbound calls. A person who calls one of your numbers hears a short spoken message that you can edit, and the call then ends. Nothing is recorded and there is no voicemail. You are responsible for the content of that message.

You can release a number at any time from the Services. A released number cannot be recovered. Paidnice may release or reassign your numbers if your account is terminated, if Usage Charges for them remain unpaid, if the provider or a regulator requires it, or if a number is used in breach of these Terms. Charges for a number continue until it is released.

6C. Artificial Intelligence Features

Parts of the Services use artificial intelligence. Depending on what you enable, the AI Features may answer your questions about your account and propose settings changes for you to approve, draft emails for you to review and send, transcribe and summarise calls, suggest follow-ups, and, where you turn on the AI agent, read inbound messages from your customers and reply to them on your behalf within the scope and approval rules you set.

Output May Be Wrong

Output generated by the AI Features is produced by statistical models and may be inaccurate, incomplete or out of date, and a transcript may misattribute or misstate what was said. You are responsible for reviewing output before you rely on it or act on it. Paidnice does not warrant the accuracy of any AI output and does not provide legal, tax, accounting, financial or debt collection advice through the AI Features or otherwise.

Messages Sent by the AI Agent

Where you turn on the AI agent, you instruct Paidnice to read inbound email and SMS from the customers within the scope you choose and to send replies to them in your name. You decide which customers are in scope, which actions need your approval first, and when the agent is on. Every message the agent sends is a message sent at your direction under section 6A, and you are responsible for it as if one of your users had written it. You are responsible for any obligation to tell your customers that they are interacting with an automated system.

Model Providers and Your Data

The AI Features are provided with the help of third-party model providers who act as our sub-processors and are listed at www.paidnice.com/sub-processors. We do not use your data, or your customers' data, to train or improve artificial intelligence models, and we contractually prohibit our providers from doing so, as set out in section 11 of the DPA.

Limits and Changes

Paidnice may limit how much you use the AI Features, including by daily limits, may add, change or withdraw an AI Feature, and may suspend your access to the AI Features where we reasonably believe they are being misused. The AI Features are provided as part of the Services and are subject to section 10.

6D. API and Connected Agents

Where the API is enabled for your organisation, you may create API tokens and connect your own software or a third-party AI agent, such as Claude or ChatGPT, to your Paidnice data through our MCP server. Paidnice grants you a non-exclusive, revocable licence to use the API for your internal business operations, subject to these Terms and the documentation at docs.paidnice.com.

API tokens and agent connections are credentials. You are responsible for keeping them secret, for everything done with them, and for revoking any you no longer use. A connection a user makes carries that user's permissions, and anything a connected agent does is treated as done by that user. Paidnice logs every API request and may show that log to the administrators of your organisation.

A third-party agent you connect is a Third-Party Service under section 9. Paidnice does not control how it interprets your instructions, what it does with the data it reads, or what it changes, and is not responsible for its acts or omissions. Check what an agent proposes before you let it write to your account.

The API is rate limited as described in the documentation. Paidnice may change the API, deprecate endpoints with reasonable notice where practical, and suspend or revoke any token or connection immediately where we reasonably believe it is being misused, is compromised, or places the Services at risk.

7. Intellectual Property

Ownership of Paidnice Content

All intellectual property rights related to Paidnice Services, including the software, content, trademarks, and logos, are owned by Paidnice or its licensors. You are granted a limited, revocable license to access and use Paidnice solely for your internal business operations, subject to compliance with these Terms. This license does not grant you any rights to reproduce, distribute, publicly display, or otherwise exploit the software or content provided by Paidnice.

You agree not to use Paidnice’s intellectual property in a way that could harm its reputation or suggest an endorsement by Paidnice without prior written permission.

Use of User Data

Paidnice may use aggregated and anonymized data derived from your use of the Services for internal analytics, research, and improvement of the Services. This data will not include any personally identifiable information (PII) unless expressly authorized by you.

Intellectual Property Violations

Any unauthorized use, reproduction, distribution, or public display of Paidnice’s intellectual property, including but not limited to its software, trademarks, and content, may result in immediate termination of your account and legal action to protect Paidnice’s rights. You agree to notify Paidnice immediately if you become aware of any such violations.

8. Data Privacy & Security

Paidnice is committed to protecting your personal information in compliance with global privacy laws, including the New Zealand Privacy Act 2020, the General Data Protection Regulation (GDPR) for European users, and the California Consumer Privacy Act (CCPA) for U.S. users. Our collection, use, and protection of personal information are outlined in our Privacy Policy.

Data Hosting and Processing

Paidnice hosts the Services with a reputable third-party cloud infrastructure provider. Data is encrypted in transit and at rest using industry-standard encryption, and our hosting provider maintains independent security certifications. Current details of our hosting provider, hosting location, encryption and other controls are published on our Security and Trust page, and the sub-processors we engage are listed at www.paidnice.com/sub-processors. Those pages are the current source of truth for these details and are updated from time to time.

For users in the European Union (EU), Paidnice complies with GDPR requirements regarding data transfers outside of the EU. New Zealand, where Paidnice is headquartered, is recognized by the European Commission as providing adequate protection for personal data under European law. When transferring data to countries outside the EU, such as the United States, we implement appropriate safeguards, including the use of Standard Contractual Clauses, as required by GDPR.

Data Processing Addendum

Where Paidnice processes personal information about your own customers on your behalf, Paidnice acts as a processor and you act as the controller. Our Data Processing Addendum (the "DPA") governs that processing. The DPA forms part of these Terms and applies automatically when you accept these Terms. No signature is required. The DPA includes the EU Standard Contractual Clauses, the UK International Data Transfer Addendum, Swiss variations, a United States state privacy law annex, and New Zealand and Australia terms. If your organization requires a countersigned copy, email [email protected].

Security Measures

We take the security of your data seriously. Paidnice employs multiple layers of security, including but not limited to:

  • Encryption: All personal data is encrypted in transit and at rest using industry-standard encryption. Current details are published on our Security and Trust page.
  • Access Controls: Strict access policies and multi-factor authentication limit access to sensitive data.
  • Data Monitoring: We perform regular security audits, vulnerability assessments, and penetration testing to maintain the security of our systems.

While we take all reasonable steps to protect your information, no method of internet transmission or electronic storage is 100% secure. In the event of a data breach, Paidnice will notify affected users promptly and comply with all relevant legal obligations, including those under the Privacy Act, GDPR, and CCPA.

By using Paidnice, you consent to the transfer and processing of your data in accordance with these security protocols.

Jurisdiction-Specific Privacy Laws 

For users outside of New Zealand, Paidnice ensures compliance with the relevant privacy laws of the User’s jurisdiction, to the extent such laws are mandatory and cannot be waived. This includes, but is not limited to, the Australian Privacy Principles, Canada’s PIPEDA, and other equivalent regulations.

9. Integrations & Third-Party Services

Paidnice integrates with third-party services such as Xero, QuickBooks, and Stripe to enhance your accounts receivable automation. By using these integrations, you acknowledge and agree that Paidnice may collect and process data from these services, including invoices, payment information, and customer details, to provide the full functionality of the platform.

Customer Portal Payments

Where you connect a payment provider, payments your customers make through the customer portal are processed by that provider under your own agreement with it and are paid into your account with that provider. Paidnice is not a party to those payments, does not hold your customers' funds, and is not a payment processor, money transmitter or financial institution. Processing fees, chargebacks, refunds and disputes with your customers are between you, your customer and your payment provider.

Responsibility for Third-Party Services

Although Paidnice integrates with third-party services, we do not control their terms of service or privacy policies. It is your responsibility to ensure that your use of these services complies with their terms. Paidnice makes no warranties or representations regarding the functionality, security, or availability of third-party services. Any issues arising from third-party integrations should be addressed with the relevant service provider.

Data Transfers via Integrations

Paidnice does not assume responsibility for the accuracy of data transferred between third-party services and the Paidnice platform. You acknowledge that any data imported from or exported to third-party services is used at your own risk.

Supremacy of Paidnice Terms 

The terms of any third-party service (such as Xero or QuickBooks) do not modify, amend, or supersede these Terms of Service. Any issues related to third-party services shall be addressed directly with the provider, and Paidnice disclaims all liability for third-party actions or failures.

10. Limitation of Liability & Disclaimer of Warranties

Paidnice provides its Services on an “as-is” and “as-available” basis, without any warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

No Guarantees

Paidnice does not guarantee that the Services will be uninterrupted, secure, or error-free. We make no warranties regarding the accuracy, completeness, or reliability of any data or content available through the Services, nor do we guarantee that any bugs or defects will be corrected. Your use of the Services is at your sole risk.

Limitation of Liability

To the fullest extent permitted by law, Paidnice’s aggregate liability to you for any claims arising out of or related to these Terms or your use of the Services shall not exceed the amount you paid to Paidnice for the Services in the twelve (12) months preceding the event giving rise to the claim (or USD $100 if no payment has been made). This cap applies per claim or series of related claims and excludes (i) your breach of these Terms, (ii) amounts owed for Services, and (iii) liability arising from your gross negligence or willful misconduct. In no event shall Paidnice be liable for indirect, consequential, special, punitive, or exemplary damages, including lost profits, lost data, business interruption, or any damages arising from unauthorized access, data breaches, or third-party actions (including integrations with Xero, QuickBooks, or Stripe), even if advised of the possibility thereof.

Cyber and Data-Specific Disclaimer

You acknowledge that Paidnice does not guarantee the prevention of unauthorized access, data breaches, or alterations to payment/invoice data. Any use of the Services, including payment portals and automations, is at your sole risk. Paidnice shall not be liable for any losses resulting from such events, including misdirected payments, beyond the liability cap above. You agree to implement your own security measures (e.g., multi-factor authentication on integrations) and indemnify Paidnice for losses caused by your failure to do so.

Disclaimer of Responsibility for Third-Party Actions

Paidnice will not be liable for any damages, losses, or expenses resulting from third-party actions, including third-party integrations (such as Xero, QuickBooks, and Stripe), external service disruptions, or unauthorized access to your account due to your failure to secure your login credentials.

Exclusion of Business Losses and Contracting Out

For business users, Paidnice disclaims liability for any loss of revenue, profit, business, or anticipated savings, or any business interruption.

Where you acquire the Services for the purposes of a business, you and Paidnice agree that (i) the Consumer Guarantees Act 1993 does not apply, and both parties contract out of it under section 43(2) of that Act; and (ii) sections 9, 12A, 13 and 14(1) of the Fair Trading Act 1986 do not apply, and both parties contract out of them under section 5D of that Act. You acknowledge that you are in trade, that Paidnice is in trade, that these Terms are in writing, and that it is fair and reasonable for the parties to be bound by this provision, having regard to the nature of the Services, the subject matter of these Terms, the value of the Services, and the respective bargaining positions of the parties and their access to legal advice.

Nothing in these Terms excludes, restricts or modifies any right or remedy that cannot lawfully be excluded, restricted or modified under the law that applies to you. Where you acquire the Services as a consumer and the law of your jurisdiction gives you rights that cannot be waived, those rights are not affected by these Terms.

11. Termination & Suspension

Termination by User

You may terminate your account at any time by canceling your subscription through your Paidnice account settings. Termination will take effect at the end of your current billing cycle, and you will retain access to the Services until that time. After termination, all outstanding payments will be due immediately, and Paidnice will delete or anonymize your data in accordance with our data retention policy. Upon termination of your account, you will have thirty (30) days to retrieve any personal or business data that you have uploaded to Paidnice, provided such data is still in Paidnice’s possession. After this period, Paidnice reserves the right to delete or anonymize such data, except where legally required to retain it.

Termination by Paidnice

Paidnice reserves the right to suspend or terminate your access to the Services at any time, with or without cause, for any breach of these Terms or any unauthorized activity, including fraudulent behavior or non-compliance with payment obligations. We may also terminate your account if we cease to provide the Services for any reason.

Effect of Termination

Upon termination, you will lose access to all Paidnice features and data, and any ongoing automated processes (e.g., email reminders, invoice escalations, AI agent replies) will cease. Your phone numbers will be released, and your API tokens and agent connections will be revoked. Paidnice will not be liable for any loss of data resulting from the termination of your account, except as required by law.

12. Dispute Resolution

Informal Negotiations

Before pursuing formal dispute resolution, both you and Paidnice agree to attempt to resolve any dispute, controversy, or claim arising out of or related to these Terms through good faith informal negotiations for at least thirty (30) days. These negotiations will commence upon written notice from one party to the other.

Binding Arbitration

If informal negotiations fail, the dispute shall be referred to binding arbitration under the Arbitration Act 1996 (New Zealand), or any amendments to this Act. The seat of arbitration shall be Auckland, New Zealand, and the proceedings shall be conducted in English. The arbitration shall be administered by a single arbitrator agreed upon by both parties or, failing agreement, appointed in accordance with the Arbitration Act.

Restrictions

The arbitration shall be limited to disputes between you and Paidnice individually. To the fullest extent permitted by law, no arbitration shall be joined with any other proceeding, and you agree not to pursue arbitration on a class or collective basis.

Class Action Waiver

To the fullest extent permitted by law, you agree to resolve any disputes individually, and not as part of any class, collective, or representative proceeding. The arbitrator shall not consolidate the disputes of multiple parties or preside over any form of representative or class proceeding.

Exceptions to Arbitration

Disputes involving intellectual property rights, theft of services, or unauthorized use of personal information will not be subject to arbitration and may be resolved in court. In such cases, the courts of New Zealand will have exclusive jurisdiction, and both parties agree to submit to the personal jurisdiction of the courts located in Auckland, New Zealand.

13. Modifications to Service

Paidnice reserves the right to change, modify, or discontinue any aspect of the Services at any time and for any reason without prior notice. This may include changes to features, pricing, availability, or any other aspect of the Services. We will provide at least 30 days' notice for material changes to features, pricing, or data processing via email or in-app notification.

Some features may be offered to a subset of accounts as early access or beta features before general release. Those features may change, be limited or be withdrawn without the notice described above. While we strive to provide timely updates and notifications, we do not guarantee that any particular features or services will be available at any specific time. You acknowledge that Paidnice will not be liable for any modifications, suspension, or discontinuation of the Services or for any loss of access to data due to these changes.

14. Governing Law

These Terms of Service, and any disputes arising from or relating to the Terms, will be governed by and construed in accordance with the laws of New Zealand. Both parties agree that the courts of New Zealand will have exclusive jurisdiction to resolve any legal matters arising out of these Terms or the use of Paidnice Services, except where arbitration applies. This clause does not deprive you of the protection of any mandatory provision of the law of the country in which you are habitually resident, where that law cannot be excluded by agreement.

15. Miscellaneous

Entire Agreement

These Terms, together with the Paidnice Privacy Policy, the Data Processing Addendum, the Cookie Policy, and any other policy or agreement referenced in them, constitute the entire agreement between you and Paidnice concerning the use of the Services. Any prior agreement, negotiation, or understanding, whether written or oral, is superseded by these Terms.

Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision will be deemed severable and will not affect the validity or enforceability of any remaining provisions. The remaining provisions will remain in full force and effect.

Waiver

Any failure by Paidnice to enforce any right or provision of these Terms will not constitute a waiver of such right or provision. No waiver of any provision of these Terms will be effective unless in writing and signed by an authorized representative of Paidnice.

Assignment

You may not assign or transfer these Terms or any of your rights or obligations under these Terms, whether by operation of law or otherwise, without Paidnice’s prior written consent. We may assign or transfer these Terms or any of our rights or obligations to others without restriction.

No Third-Party Beneficiaries

These Terms are for the benefit of you and Paidnice only, and there are no third-party beneficiaries under these Terms.

No Partnership or Joint Venture

Nothing in these Terms shall be construed as creating any partnership, joint venture, or employment relationship between Paidnice and the User. You have no authority to bind Paidnice in any way or make any representations on behalf of Paidnice.

Indemnification

You agree to indemnify, defend, and hold harmless Paidnice, its affiliates, directors, officers, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including attorneys’ fees) arising out of or related to your use of the Services, your violation of these Terms, or your breach of any representations or warranties made under these Terms. You further agree to indemnify Paidnice against claims arising from (i) your provision of inaccurate data to the Services (e.g., via Xero/QuickBooks integrations), (ii) your customers' use of the customer portal, (iii) anything done through your API tokens or connected agents, or (iv) breaches of these Terms by you or your authorized users. Paidnice agrees to indemnify you against claims arising solely from Paidnice's gross negligence or willful misconduct in providing the Services, subject to the liability cap in Section 10.

Survival

The provisions of these Terms that by their nature should survive termination or expiration, including but not limited to clauses regarding intellectual property, limitations of liability, indemnification, dispute resolution, and governing law, shall survive any termination or expiration of these Terms.

Data Portability and Retrieval

Upon termination of your account, you will have thirty (30) days to retrieve any personal or business data that you have uploaded to Paidnice, provided such data is still in Paidnice’s possession. After this period, Paidnice reserves the right to delete or anonymize such data, except where legally required to retain it.

Force Majeure

Paidnice will not be liable for any delay or failure to perform its obligations under these Terms if such delay or failure arises from any cause or condition beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, interruptions in services or utilities, or cyber attacks beyond Paidnice's reasonable control.

16. Contact Us

If you have any questions or concerns regarding these Terms or the use of Paidnice Services, please contact us by mail at Paidnice Limited, C/O 14537, Unit A Level Ground, 26 Hobson Street, Auckland Central, Auckland 1010, New Zealand, or via email.