Terms and Conditions of Service

1. Acceptance of Terms

By connecting to or operating the Collections Copilot autonomous engine ("the Platform"), your organization ("Tenant") agrees to be bound by these Enterprise Terms and Conditions. These terms govern autonomous invoice chasing, payment reconciliation, contractor payouts, and dispute defense workflows conducted through PayPal REST APIs.

2. Autonomous Invariant Mandates

The Platform executes transactions subject to deterministic invariant policies:

• Velocity Limits: Spending and disbursement limits are mathematically hardcoded and cannot be bypassed by autonomous model proposals.
• Dual-Key Approvals: Any action classified as high risk or exceeding configured thresholds requires explicit cryptographic sign-off by a designated human administrator before execution.
• Idempotency Guarantees: Every disbursement and payment capture carries a unique SHA-256 idempotency key to prevent duplicate charges or double payouts.

3. PayPal REST API Integration Obligations

Tenant is responsible for maintaining active, verified PayPal Sandbox and Live credentials in compliance with PayPal's Acceptable Use Policy and Developer Guidelines. The Platform operates as an authorized orchestrator and does not hold or custody merchant funds directly.

4. Dispute Defense and Evidence Attestation

Dispute defense manifests compiled by the Platform reflect data retrieved from enterprise carrier records and merchant fulfillment systems. Tenant warrants that all operational fulfillment records supplied to the Platform are accurate, verifiable, and legally attested.

5. Cryptographic Non-Repudiation

All system actions, including policy triggers, escalation approvals, and settlement receipts, are hashed and sealed into an immutable audit chain. Both parties acknowledge that Merkle root attestations constitute definitive records of system activity.

6. Limitation of Liability

To the maximum extent permitted by applicable financial regulations, Collections Copilot shall not be liable for indirect, incidental, or punitive damages resulting from banking network delays, third-party carrier reporting lag, or external payment processor outages.

7. Governing Law and Dispute Resolution

These terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles. Formal inquiries may be directed to legal@collections.paypal.com.