Terms of Service

1. Acceptance of Terms

By accessing or using Krim AI's website, platform, or services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

These Terms constitute a legally binding agreement between you and Krim AI, a company located at 169 Madison Ave STE 15775, New York, NY 10016.

2. Description of Services

Krim AI provides an artificial intelligence-powered debt management platform that includes:

• Agentic AI workforce for automated debt recovery
• Voice AI stack for natural communication
• Behavioral AI for predictive outcome modeling
• Omnichannel contact center capabilities
• Compliance monitoring and regulatory adherence
• Analytics and reporting tools

3. User Eligibility and Registration

3.1 Eligibility

You must be at least 18 years old and have the legal authority to enter into these Terms on behalf of yourself or your organization.

3.2 Account Registration

To access certain Services, you must create an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials.

4. Permitted Use and Restrictions

4.1 Permitted Use

You may use our Services for legitimate business purposes in accordance with these Terms and applicable laws, including debt collection regulations.

4.2 Prohibited Activities

You agree not to:

• Use the Services for illegal or unauthorized purposes
• Violate any applicable laws or regulations
• Reverse engineer, decompile, or attempt to access source code
• Interfere with or disrupt the Services or servers
• Use automated systems to access the Services without permission
• Transmit harmful code, viruses, or malicious software
• Impersonate others or provide false information

5. Compliance and Regulatory Requirements

You acknowledge that debt collection activities are subject to various federal and state regulations, including but not limited to:

• Fair Debt Collection Practices Act (FDCPA)
• Telephone Consumer Protection Act (TCPA)
• Consumer Financial Protection Bureau (CFPB) regulations
• State-specific debt collection laws

You are responsible for ensuring your use of our Services complies with all applicable laws and regulations in your jurisdiction.

6. Intellectual Property Rights

6.1 Krim AI Property

The Services, including all software, algorithms, AI models, and content, are owned by Krim AI and protected by intellectual property laws.

6.2 User Data

You retain ownership of your data. By using our Services, you grant us a license to use your data to provide and improve our Services, train AI models, and ensure platform functionality.

7. Payment Terms and Billing

Payment terms will be specified in your service agreement. You agree to pay all fees associated with your use of the Services. Fees are non-refundable except as expressly stated in your agreement.

8. Privacy and Data Protection

Your privacy is important to us. Our collection and use of your information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Service Availability and Modifications

We strive to maintain high service availability but do not guarantee uninterrupted access. We reserve the right to modify, suspend, or discontinue Services with reasonable notice.

10. Disclaimers and Limitations of Liability

10.1 Service Disclaimer

THE SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, KRIM AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF THE SERVICES.

11. Indemnification

You agree to indemnify and hold harmless Krim AI from any claims, damages, or expenses arising from your use of the Services or violation of these Terms.

12. Termination

Either party may terminate this agreement with appropriate notice as specified in your service agreement. Upon termination, your access to the Services will cease, and data retention will be governed by our Privacy Policy.

13. Dispute Resolution

Any disputes arising from these Terms will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration will be conducted in New York, NY.

14. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict of law principles.

15. Changes to Terms

We may update these Terms periodically. We will provide notice of material changes and the updated Terms will be posted on our website with a revised effective date.

16. Contact Information

If you have questions about these Terms of Service, please contact us: