Acceptable Use Policy

1. Purpose and Scope

This Acceptable Use Policy ("AUP") governs your use of REVNU's payment reminder software platform (the "Service"). This AUP is incorporated into and forms part of our Terms of Service.

By using the Service, you agree to comply with this AUP. Violation of this AUP may result in immediate suspension or termination of your account without refund.

2. Prohibited Uses

You may NOT use the Service for any of the following purposes:

2.1 Illegal Activities

• Any activity that violates local, state, federal, or international law
• Collection of debts that you do not have a legal right to collect
• Fraudulent or deceptive practices of any kind
• Money laundering or terrorist financing
• Collection of gambling debts or debts related to illegal activities
• Extortion, threats, or blackmail

2.2 TCPA and Consent Violations

• Sending SMS messages without prior express written consent from recipients
• Sending messages to numbers obtained through scraping, purchasing lists, or guessing
• Continuing to message recipients who have opted out or requested to stop receiving messages
• Using auto-dialers or automated systems without proper consent
• Sending messages to phone numbers on the National Do Not Call Registry without a pre-existing business relationship
• Failing to honor opt-out requests within 10 business days
• Sending messages outside of 8 AM - 9 PM recipient's local time

2.3 Harassment and Abuse

• Harassing, threatening, or abusing message recipients
• Sending excessive or repetitive messages that constitute harassment
• Using profane, obscene, or abusive language
• Making false or misleading statements about debts owed
• Threatening actions you cannot legally take or do not intend to take
• Disclosing debt information to third parties without authorization
• Continuing contact after recipient requests communication through attorney only

2.4 Spam and Unsolicited Messages

• Sending unsolicited commercial messages or marketing content
• Bulk messaging to recipients who have not consented to receive messages from you
• Using the Service for general marketing purposes unrelated to payment collection
• Sending phishing messages or messages containing malware
• Using misleading sender information or subject lines
• Failing to include required opt-out instructions in messages

2.5 Third-Party Debt Collection

• Acting as a third-party debt collector without proper licensing
• Collecting debts on behalf of others if you are not the original creditor
• Violating the Fair Debt Collection Practices Act (FDCPA) or state debt collection laws
• Making contact attempts that exceed legal limits
• Failing to provide required debt validation notices

2.6 Service Abuse

• Attempting to circumvent Service limitations or restrictions
• Using the Service to harm, interfere with, or disrupt REVNU or third parties
• Reverse engineering, decompiling, or attempting to extract source code
• Sharing your account credentials with unauthorized users
• Reselling or white-labeling the Service without authorization
• Using the Service to send test messages or frivolous content
• Overloading our systems with excessive API calls or requests

2.7 Data Misuse

• Uploading or storing personal information you do not have rights to use
• Violating the privacy rights of message recipients
• Failing to maintain proper security of customer data
• Selling, sharing, or disclosing recipient data to third parties
• Using recipient data for purposes other than payment collection

3. Required Practices

When using the Service, you MUST:

3.1 Consent Management

• Obtain and maintain documented prior express written consent for SMS messages
• Keep records of all consent for at least 4 years
• Include clear opt-out instructions in every message
• Honor all opt-out requests immediately and maintain do-not-contact lists
• Verify consent is still valid before resuming messages to inactive recipients

3.2 Message Content Requirements

• Clearly identify yourself and your company in messages
• Accurately state the amount owed and nature of the debt
• Include opt-out instructions (e.g., "Reply STOP to opt out")
• Provide contact information for questions or disputes
• Use professional, respectful language at all times
• Include required disclosures per applicable law

3.3 Timing and Frequency

• Send messages only between 8 AM and 9 PM in the recipient's time zone
• Implement reasonable frequency limits to avoid harassment
• Respect recipient requests to limit contact frequency
• Stop all contact if recipient is represented by an attorney

3.4 Recordkeeping

• Maintain records of all messages sent for at least 4 years
• Keep documentation of consent for at least 4 years
• Record and honor all opt-out requests
• Document all disputes and their resolutions
• Maintain audit logs of system access and changes

3.5 Data Security

• Use strong passwords and enable two-factor authentication
• Limit account access to authorized personnel only
• Report any security incidents or data breaches immediately
• Comply with applicable data protection regulations (GDPR, CCPA, etc.)

4. Industry-Specific Restrictions

4.1 Prohibited Industries

The Service may NOT be used for collection related to:

• Illegal goods or services
• Adult content or services
• Gambling or betting debts
• Payday loans or high-interest lending
• Cryptocurrency or speculative investments
• Pyramid schemes or multi-level marketing
• Tobacco or vaping products
• Weapons or explosives

4.2 Regulated Industries

If you operate in a regulated industry (healthcare, finance, legal), you are responsible for:

• Complying with all industry-specific regulations
• Obtaining all necessary licenses and certifications
• Meeting additional consent and disclosure requirements
• Protecting sensitive information (HIPAA, GLBA, etc.)

5. Monitoring and Enforcement

5.1 Our Rights

REVNU reserves the right to:

• Monitor your use of the Service for compliance with this AUP
• Review message content and sending patterns
• Investigate complaints from message recipients
• Request documentation of consent or business relationships
• Suspend or terminate accounts that violate this AUP
• Report violations to law enforcement or regulatory authorities
• Refuse service to any user at our discretion

5.2 Enforcement Actions

Violations of this AUP may result in:

• Warning: First-time or minor violations may receive a warning
• Temporary Suspension: Serious violations may result in account suspension pending investigation
• Permanent Termination: Severe or repeated violations will result in immediate termination without refund
• Legal Action: We may pursue legal remedies for damages caused by your violations
• Regulatory Reporting: We may report violations to FTC, FCC, state attorneys general, or other authorities

5.3 User Reporting

If you believe another user is violating this AUP, please report it to:

6. Compliance Assistance

REVNU provides tools and features to help you comply with this AUP and applicable laws:

• Automatic opt-out processing for STOP keywords
• Time zone-based sending restrictions (8 AM - 9 PM)
• Message delivery tracking and audit logs
• Consent status tracking per contact
• Templates with required disclosures and opt-out language
• Documentation and best practices guides

However, YOU are ultimately responsible for ensuring your use of the Service complies with all applicable laws. These tools are provided as a convenience and do not guarantee compliance.

7. Your Responsibilities

You acknowledge and agree that:

• You are responsible for obtaining and documenting all necessary consents
• You will comply with TCPA, FDCPA, and all applicable laws
• You will maintain accurate records as required by law
• You will immediately cease contact upon receiving opt-out requests
• You will only message recipients with whom you have a legitimate business relationship
• You will indemnify REVNU for any claims arising from your use of the Service
• You are responsible for ensuring your message content is truthful and compliant
• You will cooperate with REVNU investigations into potential violations

8. Changes to This Policy

We may update this Acceptable Use Policy from time to time. When we make material changes:

• We will post the updated AUP on this page
• We will update the "Last Updated" date
• We will notify you via email for significant changes
• Continued use of the Service after changes constitutes acceptance

It is your responsibility to review this AUP periodically. If you do not agree with any changes, you must stop using the Service.

9. Questions and Guidance

If you have questions about this Acceptable Use Policy or need guidance on compliance:

Important: REVNU cannot provide legal advice. For questions about TCPA, FDCPA, or other legal requirements, consult with a qualified attorney.