Terms of Service - Debit Management System

1 About these terms

These terms govern your use of the Debit Management System ("the System"), a private application used to record debts, register payments, and send payment reminders.

The System is not a public service. Access is granted by the organisation that operates it. By signing in you accept these terms. If you do not accept them, do not use the System.

2 Definitions

Term	Meaning
Operator	The organisation that runs this installation and controls who may access it.
User	A person given an account to sign in. Accounts are issued, never self-registered.
Debtor	A person or business whose debt is recorded. Debtors are not Users and have no account.
Debtor Data	Information about a Debtor entered by a User.

3 Accounts and access

Accounts are created by an administrator. There is no public sign-up, and you may not create an account for someone else to use as their own.

Keep your password confidential. Do not write it down where others can read it, and do not reuse it elsewhere.
Do not share an account. Accounts are personal to the individual they are issued to.
You are responsible for everything done under your account until you report it as compromised.
Tell an administrator immediately if you believe someone else has used your account.
Your account permits certain activities and not others. Attempting to use the System beyond what your account permits is a breach of these terms, whether or not the attempt succeeds.

Administrators may reset your password where necessary. Follow any instructions given to you when that happens.

4 Acceptable use

The System is for legitimate debt administration only. You agree to:

Enter information that is accurate and, to the best of your knowledge, true.
Record amounts, dates and payments faithfully, and correct errors when you find them rather than working around them.
Keep communications with Debtors professional and lawful.
Comply with the debt collection, consumer protection and data protection laws that apply to you.

You must not:

Use the System to harass, threaten, intimidate or mislead anyone.
Enter data you have no lawful basis to hold, or record a debt you know to be false.
Extract data in bulk for a purpose the Operator has not approved.
Probe, scan, or attempt to bypass the System's access controls, or interfere with its operation.

5 Client data is your responsibility

Debtor Data is entered by Users. The Operator provides the System; it does not choose what goes into it.

You must have a lawful basis for recording a Debtor's information before you enter it.
You are responsible for the accuracy of what you record and for correcting it when told it is wrong.
Free-text note fields are exactly that. Do not put anything in them that you would not be willing to show the Debtor — they may have a legal right to request it.
Do not record more than you need. Health information, identity document numbers and payment card details in particular have no place in this System.

How that data is handled is described in the Privacy Policy.

6 Messages sent to debtors

The System can send payment reminders to Debtors on your instruction. Reminders are sent because a User asked for them.

You are responsible for having the Debtor's consent to contact them on that channel, where consent is required.
You are responsible for the content of the message, including anything you type into a template.
Reminders are dispatched through third-party providers. Delivery is not guaranteed, and a message recorded as sent may still fail to arrive.
Do not use reminders at a frequency that would amount to harassment.

7 Availability and maintenance

The System is provided without any uptime commitment. It may be unavailable for maintenance, upgrades, or reasons outside the Operator's control.

Access may be restricted while maintenance is carried out. Work may happen with little or no warning where it is needed to keep data safe.

You should not treat the System as your only record of anything you cannot afford to lose.

8 Security obligations

Use a strong, unique password and change it if you suspect it is known to anyone else.
Sign out when you leave a shared or public computer. Do not use "remember me" on a device others can access.
Report anything that looks wrong — an unexpected password reset, a record you did not create, a page you should not have been able to open.
Do not disable, circumvent or attempt to defeat any security control.

9 Suspension and termination

The Operator may suspend or remove an account at any time, with or without notice, including where an account is unused, where these terms have been breached, or where suspension is needed to protect the System or the people whose data it holds.

Losing access does not delete the records you created. Records are retained as described in the Privacy Policy.

10 Ownership

The System — its code, design, and the name and logo it carries — belongs to its owners and is licensed to the Operator for use. These terms give you permission to use the System, and nothing more.

The data you enter remains the Operator's. Your account does not give you a personal claim over it.

11 Disclaimers and liability

The System is provided "as is", without warranty of any kind, express or implied, including any warranty of merchantability, fitness for a particular purpose, or uninterrupted or error-free operation.

The System is a record-keeping tool, not financial or legal advice. Figures it displays are derived from information Users entered. They are only as correct as that input, and should be checked before being relied on for a decision, a demand, or a legal filing.

Do not assume any figure represents a converted or consolidated total across different currencies.

To the fullest extent the law allows, the Operator is not liable for indirect or consequential loss, lost profit, lost business, or loss or corruption of data arising from use of the System.

Nothing here excludes liability that cannot lawfully be excluded.

12 Changes to these terms

These terms may be updated. The date at the top shows when they last changed. Continuing to use the System after a change means you accept the updated terms. Where a change materially reduces your rights, the Operator will make reasonable efforts to tell Users before it takes effect.

13 Governing law

These terms are governed by the laws of the country in which the Operator is established, and any dispute is subject to the exclusive jurisdiction of its courts.

Name the country and courts explicitly before relying on this clause. A governing-law clause that does not identify a jurisdiction is of little use in a dispute.

14 Contact

Questions about these terms, or about your account:

Email	bigup.technologies@gmail.com
Operator	Bigup Technologies