Terms of Service

Last updated: 17 June 2026

These terms govern your use of in2 collect ("the service", "we", "us"), AI credit control software operated by IN2 Consult. By creating an account or using the service you agree to these terms. If you're agreeing on behalf of a business, you confirm you're authorised to do so.

1. The service

in2 collect connects to your accounting software (such as Xero or Sage) to automate credit control — chasing overdue invoices, handling debtor replies, generating payment links and scoring customer credit risk. Features evolve as we develop the product.

2. Your account

You must give accurate details, keep your login secure, and be responsible for activity under your account. The service is for businesses, not consumers.

3. Trials, plans and billing

We offer a 14-day free trial with no card required.
Paid plans are Starter (£79/month), Growth (£179/month) and Scale (£349/month), billed monthly in advance, exclusive of VAT.
You can cancel at any time, effective at the end of your current billing period. Fees already paid are non-refundable except where required by law.
Design-partner and founder pricing, where offered, is set out in your specific agreement.

4. Your data and responsibilities

You are responsible for the data in your connected ledger and for using the service lawfully. In particular:

You are the data controller for your customers' and debtors' personal data; we act as your processor under our Privacy Notice and data processing terms.
You confirm you have a lawful basis to contact the debtors you chase, and you will use the service in line with applicable laws, including data protection and the Protection from Harassment Act 1997.
You will not use the service to pursue regulated consumer-credit debts unless you are authorised to do so.

5. Acceptable use

You agree not to misuse the service, attempt to disrupt or reverse-engineer it, or use it for anything unlawful, abusive or misleading.

6. Third-party services

The service relies on third parties such as Xero, Sage and Stripe. Your use of those is subject to their own terms, and we're not responsible for their acts or availability.

7. Availability and outcomes

We work hard to keep the service available but provide it "as is" without an uptime guarantee, especially during early access. We do not guarantee any particular collection result — payment of your invoices depends on your customers.

8. Intellectual property

We own the software and all related IP. You keep ownership of your data; you grant us the rights needed to provide the service to you.

9. Liability

Nothing in these terms limits liability that can't be limited by law. Otherwise, to the extent permitted by law, we are not liable for indirect or consequential loss, and our total liability is limited to the fees you paid in the 12 months before the claim. We are not a party to the debts you collect.

10. Termination

You can stop using the service and close your account at any time. We may suspend or end access if these terms are breached. On termination we will delete or return your data in line with our Privacy Notice.

11. Changes

We may update these terms; we'll change the date above and, for material changes, notify account holders. Continued use means you accept the updated terms.

12. Governing law

These terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction.

These terms cover early-access and trial use. A fuller written agreement may apply to paid and design-partner plans.

13. Contact

Questions about these terms? Email l.seaman@in2collect.com.