Terms of Use
Last updated: July 2026
1. Platform Purpose
DebtoNote is a technology platform designed to help creditors, debt recovery partners, and other authorized users manage debt recovery processes more efficiently. The Platform provides tools for case management, document exchange, secure communication, AI-based insights, and cooperation between creditors and partners. DebtoNote helps organize and automate user-initiated processes and communication, but it is not itself a provider of debt recovery services or legal services. All decisions regarding case execution, applied actions, and cooperation are made by users themselves or their selected partners.
2. User Responsibility
Users undertake to use the Platform in good faith, in compliance with applicable laws and these Terms of Use. They are responsible for the security of their account, the confidentiality of login credentials, and all actions performed through their account. Users also undertake not to use the Platform for unlawful activity, not to infringe third-party rights, and not to upload false, misleading, or unlawful information.
3. Creditor Responsibility
The creditor is responsible for the debtor information submitted on the Platform, asserted claims, uploaded documents, initiated communication, and other case-related information. DebtoNote relies on data provided by the creditor and cannot verify in every case its accuracy, completeness, or legal validity. The creditor is responsible for the lawfulness, accuracy, and substantiation of submitted information.
4. Partner Responsibility
Debt recovery agencies, law firms, debt buyers, and other partners operating through the DebtoNote Platform provide their services independently, in their own name, and under their own responsibility. DebtoNote may perform partner registration and verification procedures according to criteria defined on the Platform; however, such verification is not a guarantee of partner service quality, future performance, or any specific result. The partner is responsible for its decisions, actions, service quality, compliance with applicable laws, and communication with the creditor or other case-related parties. The mutual rights and obligations of the creditor and partner are defined by their bilateral agreements. DebtoNote is not a party to such agreements and is not responsible for partner decisions, service quality, or cooperation outcomes.
5. No Legal Advice
Information on the Platform, AI-generated recommendations, analyses, templates, and other materials are intended for informational and workflow-organizational purposes. DebtoNote does not provide legal advice, legal opinions, or other legal services. Information on the Platform and AI-generated recommendations cannot be considered individual legal advice or a legal opinion. If professional legal assistance is required, users may contact specialists of their choice or partners operating through the DebtoNote Platform.
6. No Recovery Guarantee
DebtoNote aims to provide a reliable, secure, and efficient technology platform for debt administration and collaboration between creditors and partners. However, the progress and outcome of each case depend on many factors beyond DebtoNote's control, including the debtor's solvency, partner actions, applicable laws, court or other authority decisions, and individual case circumstances. For this reason, DebtoNote does not guarantee successful debt recovery, full or partial debt repayment, any specific timeframe, financial benefit, or any other specific outcome from using the Platform.
7. Platform Availability
DebtoNote makes reasonable efforts to ensure secure, stable, and reliable Platform operation and to continuously improve service quality. In certain cases, the Platform may be temporarily unavailable due to scheduled maintenance, system updates, technical failures, third-party service operation, or other circumstances outside DebtoNote's control. In such cases, we seek to restore Platform operation as quickly as possible, but we cannot guarantee uninterrupted, timely, or completely error-free Platform operation.
8. Limitation of Liability
DebtoNote is responsible for proper Platform operation to the extent it depends on the Platform itself and as required by applicable laws. DebtoNote is not responsible for user or partner actions, their decisions, bilateral agreements, the accuracy or legality of information submitted on the Platform, or disputes or losses arising from these circumstances. To the extent permitted by applicable laws, DebtoNote is not liable for indirect losses, including lost profit, lost business opportunities, reputational damage, data loss, or other indirect financial losses. This provision does not limit or exclude DebtoNote liability where such liability cannot be limited under applicable laws.