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Legal

Terms of Service

These Terms are a binding agreement between your business and Clef Technologies Inc. By creating an account, connecting QuickBooks, or using a Clef agent, you agree to them.

Last updated September 24, 2026

1. Agreement

These Terms of Service (“Terms”) govern your use of clefpro.com and the Clef agents offered there, including Ruth, our invoices and collections agent (together, the “Service”), provided by Clef Technologies Inc. (“Clef,” “we,” “us”), a Delaware corporation located at 8 The Green, STE B, Dover, DE 19901. Our Privacy Policy is part of these Terms. The Service is for business use. If you use it for a company, you confirm you are authorized to accept these Terms for that company, and “you” means the company.

2. Eligibility

You must be at least 18, able to form a binding contract, and using the Service for a business based in the United States.

3. Your account

Keep your sign-in details secure and your account information accurate. You are responsible for activity under your account and for the people you give access to. Tell us promptly at [email protected] if you suspect unauthorized use.

4. Connecting QuickBooks

By connecting your QuickBooks Online company to Clef, you authorize us to:

  • read your company profile, customers, invoices, and payments, as listed in the Privacy Policy;
  • add short, dated notes about calls to the private notes of your overdue invoices; and
  • have QuickBooks email a copy of an invoice to an address your customer gives us during a call.

We use QuickBooks data only to provide the Service to you, as described in the Privacy Policy. You can disconnect at any time from Clef’s settings or from the Apps page in QuickBooks. When you do, we stop reading your data and stop calls right away, and we delete the QuickBooks data we stored 30 days later unless you reconnect.

QuickBooks is provided by Intuit Inc. under Intuit’s own terms. Clef is an independent app and is not made, sponsored, or endorsed by Intuit. Intuit and QuickBooks are registered trademarks of Intuit Inc. Used with permission.

5. Contacting your customers on your behalf

You appoint Clef to contact your customers on your behalf, by phone and through the other channels the Service offers, about invoices you issued that are past due. Ruth identifies the business she is calling for, asks when payment will be made, records what your customer says, and can send a copy of an invoice through QuickBooks.

Your responsibilities

  • Business debts only. Use the Service only for amounts owed to your business by other businesses for goods or services you provided. Do not use it for consumer debts (money owed by individuals for personal, family, or household purposes), for debts you have sold or assigned, or for debts owed to anyone other than you.
  • Accurate invoices. Your invoices, balances, and contact details in QuickBooks must be accurate. Do not ask us to pursue amounts you know are not owed, and mark disputed or paid invoices promptly.
  • Right to contact. You confirm you have the right to contact your customers at the numbers and addresses you keep, and to share their information with us for this purpose.
  • Tell us about limits. Pause or stop follow-up for a customer who is in bankruptcy, represented by a lawyer about the debt, or has asked you not to contact them.
  • Compliance. You are responsible for complying with the laws that apply to your business and your collection of the debts you ask us to follow up on.

What Clef does and does not do

  • Ruth calls only on the days and hours you set, and never outside 8 a.m. to 9 p.m. in your customer’s local time.
  • Ruth does not threaten, harass, or mislead anyone. She tells people she is an AI if they ask, and she stops calling anyone who asks her to.
  • You can require your approval before each call.
  • Clef is not a collection agency or a law firm. We do not buy debts, take or hold payments, charge your customers anything, report to credit bureaus, or give legal advice. Your customers pay you directly.

6. AI agents

Ruth and other Clef agents are AI. They work from your data and your settings, but they can misunderstand people, mishear details, or get things wrong. Review call transcripts and outcomes, and check anything important before you act on it. You are responsible for the decisions you make with the Service. Nothing in the Service is legal, tax, accounting, or financial advice.

7. Fees

The Service is free during early access. Before we start charging, we will tell you the price in U.S. dollars at least 30 days in advance, and you can stop using the Service before any charge applies. Any paid plan will be governed by the pricing and billing terms we show you when you choose it.

8. Acceptable use

You agree not to, and not to let anyone else:

  • use the Service to harass, threaten, deceive, or spam anyone, or in violation of any law;
  • give us information you do not have the right to share, or that is false or misleading;
  • interfere with or disrupt the Service, get around its limits, or access it through automated means other than the ways we provide;
  • reverse engineer or copy the Service, except where the law does not allow this restriction; or
  • resell or share access to the Service, or use it to build a competing product.

9. Your data

You keep ownership of your data, including the data we read from QuickBooks. You give Clef permission to host, copy, process, and transmit it only as needed to provide the Service to you, as described in these Terms and the Privacy Policy.

10. Our property

The Service, including its software, agents, design, and the Clef name and logos, belongs to Clef or its licensors. We give you a limited, non-exclusive, non-transferable, revocable license to use the Service for your business while you follow these Terms.

11. Third-party services

The Service relies on third-party services, including QuickBooks and the providers listed in the Privacy Policy. We are not responsible for services we do not control, and your use of QuickBooks is governed by Intuit’s terms.

12. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT ANY INVOICE WILL BE PAID, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLEF WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM THE SERVICE OR THESE TERMS. CLEF’S TOTAL LIABILITY FOR ALL CLAIMS WILL NOT EXCEED THE GREATER OF THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE OR ONE HUNDRED U.S. DOLLARS ($100).

14. Indemnification

You will defend and indemnify Clef and its officers, employees, and agents against claims, losses, and expenses (including reasonable legal fees) arising from your use of the Service, the invoices and contact details you provide, the debts you ask us to follow up on, or your breach of these Terms or the law.

15. Ending the Service

You can stop using the Service and disconnect QuickBooks at any time. We may suspend or end your access if you breach these Terms, if your use creates legal or security risk, or if we stop offering the Service, and we will tell you when we reasonably can. After your access ends, we delete your data as described in the Privacy Policy. Sections that by their nature should survive will survive.

16. Governing law and disputes

These Terms are governed by Delaware law, without regard to conflict-of-laws rules. Any dispute that we cannot resolve informally will be settled by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. You and Clef waive any right to a jury trial or to take part in a class action. Either party may bring an individual claim in small-claims court. You may opt out of arbitration by emailing [email protected] within 30 days of first accepting these Terms.

17. Changes

We may update these Terms. If we make material changes, we will update the date above and email account holders before the changes take effect. Continuing to use the Service after that means you accept the updated Terms.

18. General

These Terms and the Privacy Policy are the entire agreement between you and Clef about the Service. If a provision is unenforceable, the rest stays in effect. Not enforcing a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in a merger, acquisition, or sale of assets. These Terms do not create a partnership, agency, or employment relationship, except that you appoint Clef to contact your customers on your behalf as described in section 5.

19. Contact and support

Questions, support, or legal notices: [email protected], or Clef Technologies Inc., 8 The Green, STE B, Dover, DE 19901. See also our Support page.