1. Acceptance of Terms
By accessing or using DunningKit (“Service”), you (“Customer,” “you,” or “your”) agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have authority to bind that entity.
If you do not agree to these Terms, do not use the Service. You must be at least 18 years old and have the legal capacity to enter into contracts in your jurisdiction.
2. Service Description
DunningKit is a dunning automation and churn recovery platform that connects to your Stripe account via Stripe Connect OAuth to:
- Detect and classify failed payment invoices in real time via Stripe webhooks
- Schedule and execute automated payment retries according to configurable campaigns
- Generate and send personalized recovery emails to your customers using AI (Google Gemini)
- Provide hosted, branded payment update pages so customers can update their card details
- Track recovery analytics and provide dashboards and exportable reports
- Send proactive card-expiry notifications (Pro / Agency plans)
- Support team collaboration with configurable access roles (Pro / Agency plans)
We reserve the right to modify, suspend, or discontinue any feature at any time with reasonable notice. We will not materially reduce the core functionality of the plan you subscribed to without offering a prorated refund for the affected period.
3. Accounts & Registration
- Account creation: You must provide accurate, complete, and current information during registration. Accounts are authenticated via Clerk and are personal to you.
- Account security: You are responsible for maintaining the confidentiality of your account credentials. Notify us immediately at support@dunningkit.com if you suspect unauthorized access.
- One account per business: Each account is intended for a single business entity. Agency plans may manage multiple Stripe connections within one account.
- Team members: Account owners on Pro and Agency plans may invite team members. Each team member must have their own Clerk account. You are responsible for the actions of your team members.
- No account sharing: You may not share login credentials or transfer your account to another party without our prior written consent.
4. Stripe Connect Authorization
To use the recovery features, you must authorize DunningKit to access your Stripe account via Stripe Connect OAuth. By completing this authorization, you grant DunningKit permission to:
- Read invoices, customers, subscriptions, and payment intents
- Register and receive webhook events for payment failures and recoveries
- Retry failed invoices on your behalf
- Create and send payment update links via Stripe Elements
Scope of access: We request only the permissions necessary to deliver the service. We do not access your Stripe balance, payouts, or banking information.
Token storage: Your Stripe access tokens are encrypted with AES-256-GCM before being stored in our database. You can revoke access at any time from your Stripe Dashboard under “Connected applications.”
Compliance: Your use of Stripe data through DunningKit must comply with Stripe’s own Terms of Service and applicable payment network rules.
5. Billing & Payment
- Free trial: New accounts receive a 14-day free trial with full feature access. No credit card is required to start. After the trial, you must subscribe to a paid plan to continue using the Service.
- Subscription billing: Paid plans are billed monthly or annually in advance. Billing begins on the date you subscribe. Annual plans are billed as a single upfront payment.
- Price changes: We will provide at least 30 days’ notice via email before changing subscription prices. Your continued use after the price change constitutes acceptance.
- Taxes: Prices displayed are exclusive of applicable taxes (VAT, GST, etc.). You are responsible for any taxes that apply to your jurisdiction.
- Failed payments: If your subscription payment fails, we will retry billing up to 3 times over 7 days. After that, your account will be downgraded to a read-only state. Data is retained for 30 days to allow reactivation.
- Refunds: See our Refund Policy for full details. In summary, monthly subscriptions are non-refundable for the current period; annual subscriptions include a 30-day money-back guarantee.
- Cancellation: You may cancel your subscription at any time from Settings → Billing. Your plan remains active until the end of the current billing period, then downgrades. No data is deleted immediately upon cancellation.
6. Acceptable Use Policy
You agree not to use DunningKit to:
- Process payments on behalf of businesses you do not own or have authorization to operate
- Send unsolicited, deceptive, or spam emails to your customers
- Circumvent Stripe’s terms of service or attempt unauthorized transactions
- Scrape, reverse engineer, or attempt to extract the source code of the platform
- Upload or transmit malicious code, viruses, or content that could harm the Service
- Resell or white-label the Service without an explicit written agreement with us
- Impersonate other businesses or persons in recovery emails
- Attempt to access data belonging to other DunningKit customers
- Use the Service for any unlawful purpose or in violation of applicable regulations
Violation of this policy may result in immediate suspension or termination of your account without refund.
7. Intellectual Property
Our IP: DunningKit, its logo, codebase, UI designs, and documentation are owned by DunningKit and protected by copyright, trademark, and other intellectual property laws. You receive a limited, non-exclusive, non-transferable license to use the Service during your subscription term.
Your data: You retain full ownership of your business data, customer data, and any content you create within the platform (email templates, campaign configurations). You grant us a limited license to process that data solely to provide the Service.
Feedback: If you provide suggestions or feedback, you grant us a royalty-free, worldwide license to use it to improve the Service without any obligation to compensate you.
8. Confidentiality & Data
Each party agrees to keep the other’s Confidential Information confidential and to use it only as necessary to fulfill obligations under these Terms. “Confidential Information” means non-public business, technical, or financial information disclosed under these Terms.
Our data processing obligations, including GDPR compliance and sub-processor management, are described in our Privacy Policy. For Enterprise customers requiring a Data Processing Agreement (DPA), contact legal@dunningkit.com.
9. Disclaimers & Warranties
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that: (a) the Service will be uninterrupted or error-free; (b) recovery rates or email open rates will meet specific targets; (c) the AI-generated email content will be error-free or achieve specific business outcomes; or (d) all failed payments in your Stripe account will be recovered.
Recovery outcomes depend on factors outside our control, including your customers’ payment behavior, card issuer decisions, Stripe’s availability, and applicable banking regulations.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, DUNNINGKIT SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES PAID BY YOU IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS (US$100).
Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above limitations may not apply to you.
11. Indemnification
You agree to indemnify, defend, and hold harmless DunningKit and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:
- Your use of the Service in violation of these Terms
- Your violation of any applicable law or regulation
- Your infringement of any third-party intellectual property rights
- Your breach of your obligations to your own customers
12. Termination
By you: You may cancel your subscription and delete your account at any time from Settings → Billing. Upon cancellation, your access continues until the end of the paid period. Account data is retained for 30 days after the subscription ends, then permanently deleted.
By us: We may suspend or terminate your account immediately (without refund) if you: (a) violate the Acceptable Use Policy; (b) fail to pay your subscription after the grace period; (c) engage in fraudulent or illegal activity; or (d) pose a risk to the security of the Service or other customers.
Effect of termination: Upon termination, your license to use the Service ends. We will provide a 30-day window to export your data before permanent deletion. You remain liable for all fees incurred before termination.
Sections 7 (IP), 8 (Confidentiality), 9 (Disclaimers), 10 (Liability), and 11 (Indemnification) survive termination.
13. Governing Law & Dispute Resolution
These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law principles.
Before initiating formal proceedings, both parties agree to attempt to resolve disputes informally for 30 days. If unresolved, disputes will be submitted to binding arbitration under the American Arbitration Association’s Commercial Arbitration Rules in Wilmington, Delaware. Class action claims are waived.
Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm.
14. Changes to Terms
We may update these Terms periodically. For material changes, we will:
- Update the “Effective date” at the top of this page
- Send email notice to account owners at least 14 days in advance
- Show an in-app notification on your next login
Your continued use of the Service after the effective date of updated Terms constitutes your acceptance. If you do not agree, you must stop using the Service and cancel your subscription before the new Terms take effect.
15. Contact
For legal inquiries regarding these Terms: