Terms and Conditions

Last Updated: 18 May 2026

Offered by: Fintech Solutions

1. Introduction

These Terms govern your use of ReceivableIQ, a software-as-a-service product offered by Fintech Solutions, an Association of Persons registered under FBR Pakistan (the “Service”, “we”, “us”). By creating an account or accessing the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

2. The Service

What ReceivableIQ provides

• Accounts receivable tracking and aging schedule
• AI-assisted analytical reports
• Collections workflow and dunning automation
• Credit limit tracking
• Cash flow forecasting
• Company registry lookups (OSINT)
• Data import and export

What ReceivableIQ is not

• Financial, tax, accounting, or investment advice
• A credit rating, credit bureau, or credit decision
• A payment processor or money transmitter
• Legal advice or a substitute for professional judgment

AI-generated content is informational only. It does not constitute advice, may not be relied upon by third parties, and must be independently verified before any business decision is made on the basis of it.

3. Accounts

• You must be at least 18 years old to create an account.
• Account information must be accurate and kept up to date.
• One account per organisation. You are responsible for all activity under your account.
• Notify us immediately of any unauthorised access at legal@receivable-iq.com.

4. Subscription Plans and Pricing

All plans include a 7-day free trial. Billing is monthly in advance. We will provide at least 30 days' notice of any price change.

5. Acceptable Use

Permitted

• Lawful business use for managing your own accounts receivable.

Prohibited

• Unlawful, fraudulent, or abusive use
• Sharing login credentials
• Reverse engineering, decompiling, or extracting source code
• Reselling, sublicensing, or white-labelling the Service
• Automated scraping or bulk extraction
• Circumventing rate limits, plan limits, or security controls

6. Data and Privacy

• You retain ownership of your data.
• We do not sell your data.
• We do not train AI models on customer data.
• Data export is available at any time during your subscription.
• You have 30 days after cancellation to export your data before deletion.
• Third-party registry data is provided as-is and is not guaranteed accurate.

See our Privacy Policy for details on how we handle personal data.

7. Intellectual Property

• The platform, software, and trademarks are owned by Fintech Solutions.
• You retain all intellectual property rights in your data and in the reports you generate.
• Feedback you submit grants us a non-exclusive, royalty-free licence to use it to improve the Service.

8. Warranties and Disclaimers

The Service is provided “as is” and “as available”. We do not warrant that the Service will be uninterrupted, error-free, or that AI output or third-party registry data will be accurate or fit for any particular purpose.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, ARE DISCLAIMED.

9. Limitation of Liability

• We are not liable for any indirect, incidental, special, or consequential damages.
• Our aggregate liability is capped at the subscription fees you paid in the three (3) months preceding the event giving rise to the claim.
• Nothing in these Terms excludes liability for death or personal injury caused by our negligence, or for fraud.

10. Term and Termination

• You may cancel at any time from your account settings.
• Cancellation takes effect at the end of the current billing period.
• We may terminate for material breach, non-payment, or where required by law.
• You have 30 days after termination to export your data.

11. Governing Law

These Terms are governed by the laws of the Islamic Republic of Pakistan. Any dispute will be resolved by arbitration seated in Lahore. The courts of Lahore have exclusive jurisdiction over any matter not subject to arbitration.

12. Contact

Fintech Solutions
206-D, Sector D, DHA Phase 1, Lahore Cantonement, Pakistan
legal@receivable-iq.com

Effective Date: 18 May 2026